Does compounding frequency matter much in practice?

At a fixed nominal rate, the gap between annual and monthly compounding is modest over a year or two—the same gap that looks like rounding error at year one becomes a meaningful spread by year twenty or forty.

Are these projections guaranteed?

No. Markets, taxes, and your behavior all move. Run the same model at the low end of a reasonable return band—if the plan only works when returns stay high, you need more savings, more time, or a smaller goal.

Should I use the same return for taxable and retirement accounts?

You can model both, but label which is which. Tax-deferred growth is not the same as after-tax spendable dollars; mixing accounts in one headline number without labeling it misleads your decisions.

What is the most common mistake with compounding math?

Typing a rosy return because stocks “should” earn double digits. Long-run results are uncertain—if your life plan needs 12% to work, the flaw is the plan, not the market.

Does a higher assumed return mean I should take more risk?

No. The return field describes a scenario, not a mandate. Pick risk from time horizon and tolerance; use the calculator to stress outcomes, not to justify chasing return.

Compound Interest Calculator: Future Value from Compounding

Investment Calculators

Use these calculators for portfolio growth and active trading. Investment Calculator covers the core investment tool, lump-sum and goal modes, CDs, growth scenarios, investment return, and TVM solver. Trading Calculators helps with position size, risk-reward, trade risk, options profit, P&L, leverage, margin, liquidation price, drawdown, and crypto/currency profit. Journal & Projects includes trade journal, projects, portfolio allocation, dollar-cost averaging, dividend income, and portfolio performance. Search or pick a category below to start.

Tools by category

Investment Calculator

Money growing over time: lump sum, savings goal, CD, or investment growth with recurring contributions and optional inflation

Mode

Initial balance ($)

Annual return (%)

Recurring contribution ($)

Contribution Frequency

Goal Amount ($)

Solve for

Monthly Contribution ($)

Years

Term

Length

Tax Rate (%)

Interest type

Inflation Rate (%/yr)

Formulas: Lump sum: FV = PV × (1+r)^n; Recurring: balance each period = balance×(1+r) + contribution; Savings goal: solve for n or PMT in FV of annuity

Where your final value comes from

Growth over time

Year-by-year

Year	Deposits	Interest	End balance

Investment Return Calculator

Was this investment good? ROI, IRR, payback, grade, and comparison to market.

Input type

Lump sum (initial → final value) Cash flows (initial + yearly returns)

Benchmark (e.g. S&P 500) annual return (%)

Initial investment ($)

Final value ($)

Years held

TVM Solver

Solve for PV, FV, PMT, N, or I/Y: 5-key time value of money

Solve For

N (periods)

I/Y (rate per period %)

PV (present value)

PMT (payment per period)

FV (future value)

Payment timing

💡 Use negative values for cash outflows. Leave the field you're solving for blank.

Options Profit & Break-Even

Options trade P&L, break-even, and ROI for calls or puts (simplified, not for real-world risk management).

Side

Type

Contracts

Entry price (per contract, $)

Exit price (per contract, $)

Contract multiplier

Total fees & commissions ($)

Account currency

Position Size (Risk-Based)

Account size, risk per trade, entry and stop → recommended position size.

Account size ($)

Risk per trade (% of account)

Or fixed risk ($, optional)

Entry price

Stop-loss price

Trade Risk Overview

Check how much of your account is at risk across open trades (guidance only, not brokerage-grade risk engine).

Account size ($)

Max risk per trade (% of account)

Max total open risk (% of account)

Risk on this trade ($)

Total open risk ($, all trades)

Trade Profit & Loss

Entry, exit, size, and fees → P&L, return %, and outcome color.

Side

Quantity / Units

Account currency

Entry price

Exit price

Total fees & commissions

Risk-Reward & Expectancy

Entry, stop, target, and win rate → R-multiple and expectancy per trade.

Entry price

Stop-loss price

Target price

Position size (units)

Win rate (%)

Leverage & Exposure

Account equity and position size → live leverage and exposure (guidance only).

Account equity ($)

Position size / notional ($)

Target max leverage (e.g. 3×)

Margin Requirement

Position size and margin requirement % → required equity and free margin.

Position size ($)

Margin requirement (%)

Account equity ($)

Drawdown & Recovery

Peak vs current equity → drawdown %, required return to recover, and suggested risk level.

Peak equity ($)

Current equity ($)

Risk per trade (% of equity)

Currency Profit

Forex/crypto trade P&L in account currency (simplified; ignores swap, funding, and complex pip rules).

Side

Position size (units)

Account currency

Entry price

Exit price

Crypto Profit Calculator

Crypto trade P&L: entry, exit, size, and fees in account currency.

Side

Position size (units)

Account currency

Entry price

Exit price

Fees (optional)

Crypto Calculator (Mining, Staking & Tax)

Bitcoin mining profit, staking rewards, and crypto capital gains tax in one tool.

Mining profit

Hashrate (TH/s)

Power (W)

Electricity ($/kWh)

BTC price ($)

Pool fee (%)

Network difficulty (T)

Staking rewards

Amount staked ($)

APY (%)

Crypto capital gains tax

Cost basis ($)

Sale price ($)

Holding period

Tax rate (%)

Liquidation Price Calculator

Leveraged or margin position → price at which you get liquidated (simplified).

Side

Entry price

Leverage (e.g. 10 = 10×)

Maintenance margin (%)

Initial margin / collateral (%)

Trade Journal Summary

Summary stats for your trading journal → win rate, expectancy, and risk insights.

Total closed trades

Winning trades

Total profit on winners ($)

Total loss on losers ($)

Largest win ($)

Largest loss ($)

Investing Projects & Playbooks

Lightweight local projects tracker for your trades and investing ideas (saved in your browser only).

Project / playbook name

Strategy type

Time horizon

Key rules, notes & checklist

Projects are saved locally in this browser only. This is not a brokerage or cloud account.

Portfolio Allocation Planner

Total portfolio value and target weights → per-asset dollar allocations.

Total portfolio value ($)

Asset 1 name

Target weight 1 (%)

Asset 2 name

Target weight 2 (%)

Asset 3 name

Target weight 3 (%)

Asset 4 name (optional)

Target weight 4 (%)

Dollar Cost Average Calculator

Multiple entries at different prices → blended average cost and total position.

Trade 1 quantity

Trade 1 price

Trade 2 quantity (optional)

Trade 2 price

Trade 3 quantity (optional)

Trade 3 price

Dividend Income Planner

Shares and dividend per share → monthly and annual income and yield.

Shares

Dividend per share ($)

Frequency

Share price (for yield %, $)

Portfolio Performance & CAGR

Starting value, contributions, and current value → total return and CAGR.

Starting value ($)

Current value ($)

Net contributions (+) / withdrawals (-), $

Holding period (years)

Tools by category

A universe of useful calculators and tools

Free to use

Clean by design

Broad coverage

Always growing