Retirement & Investing Calculators
55 tools in this collection — free, instant, and private in your browser.
Retirement and investing calculators are designed for decisions that play out over years or decades. The core challenge in long-term wealth planning is that small changes in return rate, contribution amount, or time horizon compound into enormous differences by retirement — which is exactly why having the right tool matters before you commit to a strategy.
The calculators in this group span several investing categories. Retirement account projectors — the 401(k) Growth Calculator, 401(k) Retirement Savings Calculator, and college savings tools — let you model how regular contributions grow under different return assumptions and tax treatments, helping you choose between pre-tax and after-tax accounts based on your expected future income. The college savings calculators, including the 529 Plan Calculator, apply the same compounding logic to education funding goals.
Return metrics like CAGR, the Annualized Rate of Return Calculator, and the Cash-on-Cash Return Calculator allow you to evaluate investments on a consistent basis regardless of the time period involved. These are particularly useful when comparing a stock's historical performance against a rental property or a bond portfolio.
Real estate investing tools — Cap Rate, the 1% Rule Checker, ARV, BRRRR Strategy, and AFFO calculators — are purpose-built for analyzing income properties. They reflect the unique metrics landlords and real estate investors use to decide whether a deal makes financial sense before committing capital.
For more sophisticated equity analysis, the Black-Scholes Option Pricing Calculator handles options valuation, while the Bond Price, Bond Convexity, and Coupon Payment calculators cover fixed-income securities. The CAPM Calculator links expected return to systematic market risk, making it useful for portfolio construction or evaluating whether a stock's expected return justifies its risk. Identify whether your goal is accumulation, income generation, or asset evaluation to select the right subcategory quickly.
All retirement & investing calculators
All calculator tools →1% Rule Checker for Rental Properties
401(k) Growth Calculator
401(k) Retirement Savings Calculator
529 College Savings Plan Calculator
Adjusted Funds From Operations (AFFO) Calculator
After Repair Value (ARV) Calculator
Annualized Rate of Return Calculator
BRRRR Strategy Calculator
Black-Scholes Option Pricing Calculator
Bond Convexity Calculator
Bond Current Yield Calculator
Bond Price Calculator
CAGR Calculator
CAPM (Capital Asset Pricing Model) Calculator
Cap Rate Calculator
Cash-on-Cash Return Calculator
College Savings Calculator
Coupon Payment Calculator
Coupon Rate Calculator
Dividend Discount Model (DDM) Calculator
Dividend Payout Ratio Calculator
Dividend Per Share Calculator
Dividend Reinvestment (DRIP) Calculator
Early Retirement (FIRE) Calculator
Exit Multiple / Exit Rate Terminal Value Calculator
FIRE Calculator — Financial Independence, Retire Early
FIRE Number Calculator
Fix-and-Flip Profit Calculator
Funds From Operations (FFO) Calculator
Future Value of Monthly Contributions
Graham Number Calculator
Gross Rent Multiplier (GRM) Calculator
Hedge Ratio Calculator
Immediate Annuity Payment Calculator
Information Ratio Calculator
Intrinsic Value Calculator (Graham Number)
Investment Growth Calculator
Jensen's Alpha Calculator
Lump Sum Investment Calculator
Margin Call Price Calculator
Margin of Safety (Value Investing) Calculator
Market Capitalization Calculator
Maximum Drawdown (MDD) Calculator
Net Operating Income (NOI) Calculator
Options Credit Spread Calculator
Present Value Calculator
ROI Calculator
Rental Yield Calculator
Retirement Savings Projection
Roth IRA Growth Calculator
Rule of 72 Calculator
Stock Beta Calculator
Tenant Income Qualifier
Treasury Bill Rate Calculator
Vacancy Loss Calculator
Compare these tools
| Tool | What it does |
|---|---|
| 1% Rule Checker for Rental Properties | Check whether a rental property passes the 1% rule: monthly rent should be at least 1% of the purchase price. |
| 401(k) Growth Calculator | Project your 401(k) balance including employer match contributions. Enter salary, contribution percentage, employer match, and years to see how your retirement account grows with a year-by-year bar chart. |
| 401(k) Retirement Savings Calculator | Estimate the future value of your 401(k) account based on your contributions, employer match, years until retirement, and expected annual return. |
| 529 College Savings Plan Calculator | Estimate how much your 529 college savings plan will grow based on annual contributions, investment return, and years until college. |
| Adjusted Funds From Operations (AFFO) Calculator | Calculate Adjusted Funds From Operations (AFFO) for a REIT by adding depreciation back to net income and subtracting capital expenditures and straight-line rent adjustments. |
| After Repair Value (ARV) Calculator | Estimate the After Repair Value (ARV) of an investment property using comparable sales and condition adjustments. |
| Annualized Rate of Return Calculator | Calculate the Compound Annual Growth Rate (CAGR) — the smoothed annual return of an investment over a multi-year period. |
| BRRRR Strategy Calculator | Calculate how much equity and cash you can pull out with the BRRRR strategy — and whether you can recycle your initial investment. |
| Black-Scholes Option Pricing Calculator | Calculate the theoretical fair value of a European call or put option using the Black-Scholes model. |
| Bond Convexity Calculator | Calculate the convexity of a fixed-rate bond to measure the curvature of its price-yield relationship and improve duration-based price change estimates. |
| Bond Current Yield Calculator | Calculate the current yield of a bond based on its annual coupon payment and current market price. |
| Bond Price Calculator | Calculate the fair price of a coupon-bearing bond given its face value, coupon rate, yield to maturity, and time to maturity. |
| CAGR Calculator | Calculate the compound annual growth rate of an investment. |
| CAPM (Capital Asset Pricing Model) Calculator | Calculate the expected return on an investment using the Capital Asset Pricing Model, based on the risk-free rate, asset beta, and expected market return. |
| Cap Rate Calculator | Calculate the capitalization rate (cap rate) of an investment property from net operating income and property value. |
| Cash-on-Cash Return Calculator | Calculate cash-on-cash return: annual pre-tax cash flow divided by total cash invested in a rental property. |
| College Savings Calculator | Plan for college costs with this 529 / college savings calculator. Enter your savings goal, current balance, monthly contributions, and expected return to see if you are on track and how much you'll have at enrollment. |
| Coupon Payment Calculator | Calculate the periodic coupon payment on a bond given its face value, coupon rate, and payment frequency. |
| Coupon Rate Calculator | Calculate the annual coupon rate of a bond from its periodic coupon payment, face value, and payment frequency. |
| Dividend Discount Model (DDM) Calculator | Estimate the intrinsic value of a stock using the Gordon Growth Model (constant-growth dividend discount model). Enter the next dividend, required return, and dividend growth rate to find fair value per share. |
| Dividend Payout Ratio Calculator | Calculate the dividend payout ratio — the percentage of earnings paid out as dividends. Enter dividends per share and earnings per share to find how much of profits are returned to shareholders. |
| Dividend Per Share Calculator | Calculate dividend per share (DPS) by dividing total dividends paid by the number of shares outstanding. Also see annual yield when you provide the current share price. |
| Dividend Reinvestment (DRIP) Calculator | See how reinvesting dividends compounds your holdings over time. Enter starting shares, share price, dividend yield, and growth rates to project portfolio value, share count, and total dividends earned. |
| Early Retirement (FIRE) Calculator | Find out how many years until you can retire early using the FIRE (Financial Independence, Retire Early) framework. Calculate your FIRE number, years to retirement, and whether you are on track based on current savings and contributions. |
| Exit Multiple / Exit Rate Terminal Value Calculator | Calculate the terminal value of an investment using the exit multiple method, then discount it back to present value using a discount rate and holding period. |
| FIRE Calculator — Financial Independence, Retire Early | Calculate how many years until you reach financial independence using the FIRE method. Enter current savings, monthly contribution, return rate, and annual expenses to get your FIRE number and a portfolio vs. target chart. |
| FIRE Number Calculator | Calculate how much you need to retire using the 4% (25x) rule for financial independence. |
| Fix-and-Flip Profit Calculator | Calculate projected profit, ROI, and annualized return on a fix-and-flip real estate investment. |
| Funds From Operations (FFO) Calculator | Calculate a REIT's Funds From Operations (FFO) and FFO per share — the standard measure of operating cash flow used to evaluate real estate investment trusts. |
| Future Value of Monthly Contributions | Calculate how much a series of regular monthly contributions will grow over time with compound interest. |
| Graham Number Calculator | Calculate Benjamin Graham's intrinsic value estimate for a stock using earnings per share and book value per share. |
| Gross Rent Multiplier (GRM) Calculator | Calculate the Gross Rent Multiplier (GRM) to quickly screen rental properties and estimate value from rent. |
| Hedge Ratio Calculator | Calculate the optimal hedge ratio (minimum variance hedge ratio) between a spot position and a futures contract using correlation and standard deviations. Determine how many futures contracts to use. |
| Immediate Annuity Payment Calculator | Calculate the fixed monthly (or annual) payment you will receive from a single-premium immediate annuity (SPIA) based on the lump-sum investment, interest rate, and payout period. |
| Information Ratio Calculator | Calculate the Information Ratio (IR) to measure a portfolio manager's ability to generate excess returns relative to a benchmark, adjusted for tracking error. |
| Intrinsic Value Calculator (Graham Number) | Estimate the intrinsic value of a stock using the Benjamin Graham Number formula. Enter earnings per share and book value per share to find a conservative fair-value estimate. |
| Investment Growth Calculator | Project investment growth with regular monthly contributions. Enter a starting amount, monthly deposit, return rate and years to see your final balance, total contributions, interest earned and a growth chart. |
| Jensen's Alpha Calculator | Calculate Jensen's Alpha to measure a portfolio's risk-adjusted performance relative to its expected return based on the Capital Asset Pricing Model (CAPM). A positive alpha indicates outperformance. |
| Lump Sum Investment Calculator | Calculate the future value of a one-time lump sum investment using compound interest. Find out how much your investment will grow over time at a given annual return rate. |
| Margin Call Price Calculator | Calculate the price at which a margin call is triggered on a leveraged stock position. Enter your purchase price, initial margin, and maintenance margin requirement to find the margin call threshold. |
| Margin of Safety (Value Investing) Calculator | Calculate the margin of safety between a stock's estimated intrinsic value and its current market price. A positive margin of safety indicates the stock is trading below intrinsic value, providing a buffer against estimation errors. |
| Market Capitalization Calculator | Calculate a company's market capitalization — the total market value of all outstanding shares. Enter the current share price and the number of shares outstanding to determine if a stock is large-cap, mid-cap, or small-cap. |
| Maximum Drawdown (MDD) Calculator | Calculate the maximum drawdown of an investment — the largest peak-to-trough decline — to measure downside risk. Enter a peak portfolio value and trough value to find MDD percentage. |
| Net Operating Income (NOI) Calculator | Calculate Net Operating Income (NOI) for a rental property: gross rental income minus vacancy and operating expenses. |
| Options Credit Spread Calculator | Calculate the maximum profit, maximum loss, and breakeven price for bull put and bear call credit spread options strategies. |
| Present Value Calculator | Calculate the present value of a future lump sum — how much you need to invest today to reach a future goal. |
| ROI Calculator | Calculate return on investment (ROI) and profit. |
| Rental Yield Calculator | Calculate gross and net rental yield on an investment property to compare returns across different properties. |
| Retirement Savings Projection | Project your retirement nest egg with current savings, monthly contributions, and expected return rate. See final balance, total contributions, investment growth, and estimated annual income using the 4% rule. |
| Roth IRA Growth Calculator | Project your Roth IRA balance with annual contributions and investment returns. See tax-free growth, total contributions, and estimated tax savings vs. a taxable account — with a year-by-year growth chart. |
| Rule of 72 Calculator | Estimate how long it takes to double your money. |
| Stock Beta Calculator | Calculate a stock's beta coefficient from its correlation with the market, stock standard deviation, and market standard deviation to measure systematic risk. |
| Tenant Income Qualifier | Calculate the minimum gross income required to qualify a tenant for a rental property based on the 3x income rule. |
| Treasury Bill Rate Calculator | Calculate the bank discount rate, money market yield, and bond equivalent yield for a Treasury bill given its face value, purchase price, and days to maturity. |
| Vacancy Loss Calculator | Calculate annual vacancy loss and effective gross income for a rental property at a given vacancy rate. |
Frequently asked questions
- How much should I contribute to a 401(k) each year?
- At minimum, contribute enough to capture any employer match — that is an immediate 50% to 100% return on that portion of your contribution. Beyond the match, the IRS sets an annual contribution limit that adjusts periodically. The 401(k) Retirement Savings Calculator can show you what different contribution rates mean for your balance at retirement so you can set a target that fits your budget and timeline.
- What is CAGR and how is it different from average annual return?
- CAGR (Compound Annual Growth Rate) is the single constant rate at which an investment would have grown from its starting value to its ending value over a given period, assuming returns were reinvested each year. Average annual return simply adds up yearly returns and divides by the number of years. CAGR is a more accurate measure of actual investment performance because it accounts for the compounding effect and does not overstate returns in volatile periods.
- What does the cap rate tell me about a rental property?
- The capitalization rate is the ratio of a property's net operating income to its purchase price, expressed as a percentage. It gives you a quick, financing-free snapshot of the property's income-generating potential relative to its cost. A higher cap rate generally means more income per dollar invested but may also signal higher risk or a less desirable location. Most investors compare cap rates within the same market and property type rather than across different asset classes.