Personal Finance & Investing Calculators

101 free personal finance & investing calculators in Financial.

50/30/20 BudgetFree 50/30/20 Budget calculator with clear step-by-step results.
Advisor Fee Impact CalculatorWeigh an advisor fee against the value they add, and see the break-even outperformance needed.
Alpha CalculatorMeasure return earned above what the asset’s market risk alone would justify.
Annual Expense BudgetFree Annual Expense Budget calculator with clear step-by-step results.
Asset Allocation CalculatorBuild a target allocation from age and risk tolerance, and see the return and risk it implies.
Barista FIRE CalculatorWork out the portfolio needed when part-time income covers some of your spending.
Beta CalculatorMeasure how much a holding moves relative to the market, and the market risk it contributes.
Biweekly Loan PaymentFree Biweekly Loan Payment calculator with clear step-by-step results.
Bond Accrued Interest CalculatorWork out the interest that has accrued since the last coupon and is added to the purchase price.
Bond Convexity CalculatorMeasure the curvature of a bond’s price-yield relationship that duration alone misses.
Bond Duration CalculatorMeasure a bond’s interest-rate sensitivity through Macaulay and modified duration.
Bond Price CalculatorPrice a bond by discounting its coupons and face value at the market yield.
Bond Yield to Maturity CalculatorEstimate the total annual return of holding a bond to maturity, including the pull to par.
Brokerage Fee Impact CalculatorSee how trading commissions and spreads erode returns, especially for frequent traders.
Buy vs WaitFree Buy vs Wait calculator with clear step-by-step results.
Calmar Ratio CalculatorMeasure return relative to maximum drawdown, the risk measure investors actually experience.
Capital Gains CalculatorWork out the capital gain on a disposal and the tax due after allowances and losses.
Coast FIRE CalculatorFind the portfolio at which existing investments alone will fund retirement without further saving.
Compound Annual Growth Investment CalculatorWork out the compound annual growth rate an investment achieved over its holding period.
Compound Interest SavingsFree Compound Interest Savings calculator with clear step-by-step results.
Current Yield CalculatorDivide the annual coupon by the market price to get a bond’s current yield.
Daily Spending LimitFree Daily Spending Limit calculator with clear step-by-step results.
Debt Consolidation SavingsFree Debt Consolidation Savings calculator with clear step-by-step results.
Debt to EquityFree Debt to Equity calculator with clear step-by-step results.
Discount Rate CalculatorBuild a discount rate from the risk-free rate, equity risk premium and project-specific risk.
Dividend CAGRFree Dividend CAGR calculator with clear step-by-step results.
Dividend Growth CalculatorProject dividend income forward at a compound growth rate and see the yield on cost it reaches.
Dividend Payout RatioFree Dividend Payout Ratio calculator with clear step-by-step results.
Dividend Reinvestment CalculatorModel the compounding effect of automatically reinvesting every dividend received.
Dividend Return CalculatorWork out dividend income from a holding and the yield it represents on your cost.
Dividend Tax Impact CalculatorWork out the tax on dividend income and the net yield it leaves.
Dividend Yield CalculatorDivide annual dividends per share by the share price to get the yield.
Dollar Cost Averaging CalculatorModel regular fixed investments and the average cost per unit that averaging achieves.
DRIP CalculatorProject a dividend reinvestment plan share by share, including share count growth.
Emergency Fund CalculatorSize an emergency fund from essential monthly costs and the months of cover you want.
Emergency Fund Months CalculatorWork out how many months your current savings would cover at your essential spending level.
Envelope BudgetFree Envelope Budget calculator with clear step-by-step results.
Equity Risk Premium CalculatorEstimate the premium equities offer over bonds, from dividend yield and expected growth.
Expected Shortfall CalculatorMeasure the average loss in the tail beyond value at risk, the risk measure regulators prefer.
Expense Ratio CostFree Expense Ratio Cost calculator with clear step-by-step results.
Expense Ratio Impact CalculatorSee how much of a portfolio a fund expense ratio consumes over decades of compounding.
Fat FIRE CalculatorSize financial independence at a comfortable spending level with a conservative withdrawal rate.
Financial Independence CalculatorTrack progress to financial independence across portfolio, passive income and spending.
Financial Independence NumberFree Financial Independence Number calculator with clear step-by-step results.
FIRE CalculatorWork out the portfolio and time needed to reach financial independence at your savings rate.
FIRE Number CalculatorCalculate the portfolio multiple of spending needed for financial independence.
FIRE Savings CalculatorWork out the annual saving required to reach a financial independence target by a chosen date.
Freelancer BudgetFree Freelancer Budget calculator with clear step-by-step results.
Geometric Return CalculatorCompute the compounded average return across several periods, the only average that reconciles values.
Investment Fee Impact CalculatorModel the combined drag of platform, fund and transaction fees on long-term returns.
Investment Growth CalculatorProject an investment forward with compounding and see when it doubles.
Lean FIRE CalculatorSize financial independence on a deliberately minimal spending level.
Liquid Net Worth CalculatorMeasure the net worth you could actually access quickly, excluding property and pensions.
Loan Prepayment SavingsFree Loan Prepayment Savings calculator with clear step-by-step results.
Lump Sum vs DCA CalculatorCompare investing a lump sum immediately against spreading it over several months.
Management Fee CalculatorCalculate the annual management fee on a portfolio and its cumulative cost over time.
Maximum Drawdown CalculatorMeasure the largest peak-to-trough fall and the gain required to recover from it.
Modified IRR CalculatorCompute a modified internal rate of return using explicit finance and reinvestment rates.
Money Weighted Return CalculatorFind the internal rate of return on a portfolio, which does reflect the timing of your cash flows.
Monthly Expense BudgetFree Monthly Expense Budget calculator with clear step-by-step results.
Needs vs Wants BudgetFree Needs vs Wants Budget calculator with clear step-by-step results.
Net Present Value CalculatorDiscount a series of future cash flows to present value and test whether a project creates value.
Net Worth CalculatorAdd up assets and subtract liabilities to get the single number that tracks financial progress.
Net Worth ChangeFree Net Worth Change calculator with clear step-by-step results.
Operating Expense RatioFree Operating Expense Ratio calculator with clear step-by-step results.
PEG RatioFree PEG Ratio calculator with clear step-by-step results.
Personal Burn Rate CalculatorWork out how fast personal savings deplete without income, and how long they last.
Personal Cash Flow CalculatorWork out monthly surplus or deficit after income, fixed costs, variable spending and debt.
Personal Savings RateFree Personal Savings Rate calculator with clear step-by-step results.
Portfolio Allocation CalculatorCompare current allocation against target and see the trades needed to realign.
Portfolio CAGR CalculatorFind the compound annual growth rate of a portfolio between two valuation dates.
Portfolio DriftFree Portfolio Drift calculator with clear step-by-step results.
Portfolio Growth CalculatorProject portfolio value forward with regular contributions and a compound growth rate.
Portfolio Rebalancing CalculatorWork out the buys and sells needed to return a drifted portfolio to its target weights.
Portfolio Risk CalculatorAssess portfolio risk from asset mix, volatility and concentration in the largest holding.
Portfolio Volatility CalculatorCombine two assets’ volatilities and their correlation to get portfolio volatility.
Portfolio WithdrawalFree Portfolio Withdrawal calculator with clear step-by-step results.
Position Size Risk CalculatorCheck the monetary and percentage risk a proposed position carries against your limits.
Price to BookFree Price to Book calculator with clear step-by-step results.
Price to SalesFree Price to Sales calculator with clear step-by-step results.
Profitability Index CalculatorDivide the present value of inflows by the investment to rank projects under a capital constraint.
Real Rate of Return CalculatorStrip inflation out of a nominal return to get the real return that actually grows purchasing power.
Risk Premium CalculatorMeasure the excess return an asset delivers over the risk-free rate.
Risk Reward Ratio CalculatorCompare potential upside against downside and find the win rate needed to be profitable.
Safe Withdrawal RateFree Safe Withdrawal Rate calculator with clear step-by-step results.
Savings Interest DifferenceFree Savings Interest Difference calculator with clear step-by-step results.
Savings Rate CalculatorDivide what you save by what you earn to get the savings rate that determines your time to independence.
Sharpe Ratio CalculatorMeasure return earned per unit of total volatility, the standard risk-adjusted return measure.
Simple Interest SavingsFree Simple Interest Savings calculator with clear step-by-step results.
Sinking FundFree Sinking Fund calculator with clear step-by-step results.
Sortino Ratio CalculatorMeasure excess return per unit of downside volatility only, ignoring upside swings.
Stock Average Cost CalculatorWork out the average cost per share across several purchases at different prices.
Stock Position Size CalculatorSize a position so that a stop-loss triggers no more than your maximum acceptable loss.
Stock Return CalculatorWork out total return on a share holding including price gain and dividends received.
Stock Return with DividendsFree Stock Return with Dividends calculator with clear step-by-step results.
Time Weighted Return CalculatorChain sub-period returns to measure investment performance independently of cash flow timing.
Treasury Yield CalculatorConvert a treasury bill discount price into its equivalent annual yield.
Treynor Ratio CalculatorMeasure excess return per unit of market risk, using beta rather than total volatility.
Value at Risk CalculatorEstimate the loss that will not be exceeded at a chosen confidence level over a horizon.
Yield Curve CalculatorCompare yields across maturities to measure the slope and shape of the yield curve.
Zero Based BudgetFree Zero Based Budget calculator with clear step-by-step results.