📈 Investing & Retirement
Free investing and retirement calculators: compound interest, CAGR, NPV and IRR, annuities, retirement drawdown and inflation-adjusted returns.
Watch compounding do the heavy lifting: how a monthly contribution grows over decades, what inflation quietly subtracts, and whether an investment beats a risk-free alternative.
Corporate-finance classics — NPV, IRR, payback period — sit beside retirement tools like 401(k), Roth IRA and pension estimators, so personal and business cases share one toolkit.
401(k) Calculator
Project your 401(k) balance at retirement with employer matching.
Annuity Calculator
Calculate the present value and future value of any annuity. Supports ordinary annuities and annuities due with monthly, quarterly, or annual payments.
APY Calculator
Find the true Annual Percentage Yield of any savings account or investment. Enter your principal, rate and compounding frequency to see your effective return.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment. Enter your initial and final values plus the holding period to see your smoothed annualized return.
CD Calculator
Calculate the maturity value of a certificate of deposit (CD). Enter the principal, annual interest rate, term and compounding frequency to find total interest earned and effective annual yield (APY).
Compound Interest Calculator
Calculate investment growth with compound interest.
Dividend Calculator
Calculate dividend income with optional DRIP (Dividend Reinvestment Plan). Enter number of shares, dividend per share, frequency, share price and annual price growth to project total return and yield on cost.
EPF Calculator
Estimate the maturity value of your Employees'' Provident Fund (EPF) account. Enter your monthly basic salary, years of service, salary growth and current balance to project contributions and interest.
Future Value Calculator
Project the future value of your investments. Enter principal, rate, and time to see how compound interest grows your money over time.
Inflation Calculator
See how the value of money changes over time due to inflation. Enter an amount and time period to calculate adjusted purchasing power.
Investment Calculator
Project investment growth with compound interest and regular contributions.
IRR Calculator
Find the Internal Rate of Return for any series of cash flows. Enter the initial investment and projected returns to discover the break-even rate of your project.
Japan iDeCo / NISA Simulator
Simulate Japan private pension and long-term savings (iDeCo, NISA, つみたて投資): the future value of regular monthly contributions with tax-free investment growth.
Japan Public Pension Estimator
Estimate your future Japan public pension (公的年金) benefit — the flat National Pension base plus the earnings-related Employees' Pension portion — based on your career earnings and chosen claiming age.
Net Worth Calculator
Calculate your net worth from assets and liabilities.
NPV Calculator
Evaluate any investment with Net Present Value. Enter the initial cost, discount rate and projected cash flows to see whether a project creates or destroys value.
Payback Period Calculator
Find out how long it takes to recover any investment. Enter the initial cost and projected cash flows to see your payback period in years and months.
PPF Calculator
Calculate the maturity value of your Public Provident Fund (PPF) account. Enter your annual investment, interest rate and time period to see total invested, interest earned and maturity value.
Present Value Calculator
Calculate the present value of a future lump sum or an annuity stream. Enter future value, discount rate and number of periods, or switch to annuity mode with a payment amount.
Retirement Calculator
Estimate your retirement savings and how long they will last.
ROI Calculator
Measure the profitability of any investment. Enter your cost and gain to see ROI percentage and annualized returns at a glance.
Roth IRA Calculator
Project the future value of a Roth IRA with regular annual contributions and compound growth. Enter your age, retirement age, contribution amount, expected return and starting balance.
Savings Calculator
See how your savings can grow over time with compound interest. Enter your initial deposit, monthly contributions, and expected rate of return.
SIP Calculator
Calculate the maturity value of your Systematic Investment Plan (SIP). Enter your monthly investment, expected annual return and time period to see total invested, estimated returns and maturity value.
Social Security Calculator
Estimate your monthly Social Security retirement benefit based on your birth year, income and chosen claiming age. See how early retirement reduces and delayed retirement increases your benefit.
UK ISA Allowance Checker
Track your GBP 20,000 ISA allowance for the 2026/27 tax year across Cash ISA, Stocks and Shares ISA, Lifetime ISA, and Innovative Finance ISA.
UK Lifetime ISA Calculator
Project your Lifetime ISA value at age 60 with the 25% government bonus and compound growth. See total bonuses received and understand withdrawal rules.
UK Premium Bonds Calculator
Estimate your expected Premium Bond winnings, probability of winning any prize, and jackpot odds. Compare returns to a standard savings account.
Frequently asked questions
Do the calculators predict real returns?
No. They project scenarios from the growth rate you enter — compare several rates instead of trusting one forecast.
What growth rate should I assume?
History offers ranges, not promises; test conservative and optimistic cases side by side in the tools.
Is inflation included?
Where it matters — real returns and retirement drawdown — yes, as an explicit input you control.