Investment Calculators

Investment math is dominated by two ideas: compound growth, which rewards time and consistency, and the time value of money, which makes the timing of cash flows matter as much as their size. Our investment calculators are designed to make both ideas concrete for everything from a first index-fund contribution to a discounted-cash-flow valuation of a private company.

Start with the compound interest, future value, present value, and CAGR calculators to build intuition for how money grows under different rate assumptions. The simple interest calculator is included for the cases where compounding doesn't apply — short-term promissory notes, some bonds, and many "no-interest financing" promotional offers that aren't really no-interest.

For investment selection and analysis, we cover the standard metrics: ROI, NPV, IRR, Sharpe ratio, WACC, and DCF. The Black-Scholes calculator handles European-style option pricing for educational purposes. Dividend yield, dividend reinvestment, and EPS calculators support equity analysis. The 1031 exchange calculator addresses the tax-deferred real estate swap rules specific to U.S. investors.

Savings-goal style calculators (millionaire calculator, savings goal, cool million) reverse the question: given a target balance and timeline, how much do you need to save each month to get there? The asset allocation calculator helps build a stock/bond split appropriate for your time horizon and risk tolerance using the classic age-based rules of thumb.

Where calculators reference historical returns (e.g., S&P 500 long-term average of ~10% nominal, ~7% real), we use Ibbotson SBBI data. Tax treatment assumes long-term capital gains rates and standard cost basis; speak to a CPA for actual tax filing. Nothing here is investment advice — every market projection is a planning scenario, not a forecast, and past performance is not a guarantee of future returns.