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.