What is the difference between hitting a future value and hitting my actual goal?

A future value target is a nominal account balance; your real goal is usually purchasing power or retirement spending. Inflate the goal or deflate the projected balance before comparing the two, or you are comparing dollars that do not mean the same thing.

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.

Future Value Calculator: What Money Becomes Over Time

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