Project your wealth with free investing tools for compound interest, CDs, retirement planning, and annuities — accurate formulas, instant results, no sign-up required.
Calculate simple and compound interest on any principal, rate, and time period. Compare compounding frequencies with a year-by-year breakdown.
Calculate certificate of deposit earnings and maturity value. Enter your deposit, APY, and term to compare CD offers instantly.
Project your retirement savings, visualize portfolio growth, and calculate the exact monthly contribution needed to reach your goal.
Calculate future value of periodic payments or payout from a lump sum. Supports ordinary annuities and annuities-due with flexible payment frequencies.
Project your 401(k) balance at retirement with employer match, compound growth, and 2025 IRS contribution limits. Year-by-year breakdown included.
Project your Roth IRA balance at retirement with annual contributions, employer-equivalent growth, and compound interest. Includes 2025 contribution limits and income phase-out thresholds.
Calculate dividend income, yield, and DRIP growth from any stock or portfolio. Model dividend reinvestment compounding over time with annual dividend growth rate.
Estimate your monthly Social Security retirement benefit based on your earnings, birth year, and planned claiming age. Compare early vs. full vs. delayed benefits.
Calculate your Required Minimum Distribution (RMD) for Traditional IRA, 401(k), and inherited IRA accounts using 2025 IRS Uniform Lifetime Tables. Includes 10-year projection and tax withholding estimate.
Calculate your Financial Independence Retire Early (FIRE) number, projected retirement date, and years to freedom using the 4% safe withdrawal rule. Supports Lean FIRE, Fat FIRE, and Coast FIRE.
Calculate monthly cash flow, cash-on-cash return, cap rate, and annual ROI for any rental property investment. Includes mortgage, vacancy, expenses, and break-even analysis.
Calculate your net worth by totaling assets and subtracting liabilities. See a categorized breakdown, assets-to-liabilities ratio, and where you rank by age group.
Calculate the capitalization rate for any investment property. Enter property value and net operating income, or work backwards from a target cap rate to find implied property value.
Measure your actual cash yield on invested capital for any rental property. Enter down payment, closing costs, and annual cash flow to calculate your real estate ROI.
See how renting out part of your home can offset or eliminate your mortgage payment. Calculate your effective housing cost, cash flow, and cash-on-cash return.
See how your savings rate determines years to financial independence. The higher your savings rate, the faster you reach FI — based on the 4% rule and your expected investment return.
Estimate the current value and projected growth of your Series I savings bonds. Calculate composite rate, early redemption penalty, and year-by-year value with the official Treasury formula.
Compare taking a pension lump sum versus monthly payments. Find your break-even age, NPV of lifetime payments, and how long a lump sum would last if invested.