Free Financial Calculators

Visualize how money grows over time with compounding at different rates, frequencies (daily, monthly, annually), and time horizons.

Model how reinvesting dividends affects total return over time, accounting for dividend growth rates and share price appreciation assumptions.

Estimate short-term and long-term capital gains tax liability based on cost basis, proceeds, holding period, and filing status using current IRS brackets.

Calculate theoretical profit and loss for basic options positions (long call, long put, covered call, protective put) at expiration across a range of underlying prices.

Project traditional 401(k) account growth based on contribution rate, employer match, assumed return, and years until retirement.

Compare the after-tax value of Roth vs Traditional IRA contributions over time, factoring in tax rates, investment returns, and distribution timing.

Compare the long-term financial implications of a home mortgage against renting, incorporating amortization, opportunity cost, and equity accumulation.

Model the historical outcome of investing a fixed amount at regular intervals vs lump-sum investing across different market scenarios.

Input target allocations and current values to determine which asset classes are over- or under-weight and by how much, and what trades would restore balance.

Estimate how long a retirement portfolio would last under different withdrawal rates (e.g., 3%, 4%, 5%) and return scenarios.

Project the long-term growth potential of an HSA when contributions are invested rather than spent, and medical expenses are paid out of pocket.

Compare estimated lifetime Social Security benefits if claiming at age 62, 67 (full retirement age), or 70 under different longevity assumptions.

Compare the long-term drag of different fee structures (expense ratios, AUM fees, trading commissions) on portfolio growth over 10, 20, and 30 years.

Understand how forward and reverse stock splits affect share count, price per share, and total position value.

Calculate trailing and forward dividend yield, annual income from a position size, and yield on cost for long-term holders.

Calculate Compound Annual Growth Rate from a beginning value, ending value, and number of years — useful for analyzing historical investment returns.

Adjust historical dollar amounts for CPI inflation to understand real vs nominal returns and the erosion of purchasing power over time.

Tally assets (accounts, property, vehicles) and liabilities (mortgages, loans, credit cards) to calculate net worth and track it over time.

Compare avalanche (highest interest first) and snowball (smallest balance first) debt payoff methods with a side-by-side timeline and total interest cost.

Determine a target emergency fund size based on monthly essential expenses, job stability, and number of income sources in a household.