Free calculators
Investment calculators
Three calculators for the questions that actually change a long-term outcome: how contributions compound, how escalating them changes the result, and what delaying the start costs. Every output is arithmetic on assumptions you choose — not a forecast.
Compound interest calculator
Enter a starting balance, a regular contribution and an assumed return to see the balance year by year — and the year cumulative growth finally overtakes cumulative contributions.
How much could my money grow?
Contribution growth calculator
Raise the annual contribution escalation to see how a small yearly increase — the kind a pay rise absorbs without pain — changes a twenty-year result.
What if I increase what I invest each year?
Cost of waiting calculator
Compare starting today with starting after a delay, using identical assumptions, so the cost of waiting appears as a number rather than a feeling.
What does waiting to start actually cost?
Drawdown recovery calculator
Enter a percentage decline to see the gain required to return to the previous high, and how long that takes at a return you assume. Recoveries are always larger than the fall that caused them.
How much does a decline have to gain back?
Fee impact calculator
Compare the same plan with and without an annual fee to see the cost in money rather than in basis points. A fee is charged on the whole balance every year, including growth it has already produced.
What do fees actually cost me?
Average cost calculator
Enter the amount you invest each time and the prices you paid to get your true average cost per share, and to see why it usually sits below the simple average price.
What did I actually pay per share?
Investment goal calculator
Work backwards from a target balance and a time frame to the monthly contribution the arithmetic requires, under a return you choose rather than one we promise.
What would I need to contribute to reach a goal?
Market capitalisation calculator
Multiply share price by shares outstanding to get market capitalisation, the market's price for the whole company, and see which conventional size band the result falls into.
How large is a company, and how is that measured?
Compound annual growth rate calculator
Enter a starting value, an ending value and the years between them to get the single smooth annual rate that connects them — useful for revenue, earnings or a balance.
What was the annual growth rate between two values?
Sources and methodology
Calculators use standard future-value arithmetic. Assumed returns are inputs, not predictions, and real returns vary every year and can be negative.
- Investor.gov investor education — U.S. Securities and Exchange CommissionPrimary source
- Intelligent Accumulation methodology — Suggested InvestmentsPrimary source
Keep reading
- Compound Interest Calculator
See how a starting balance, regular contributions, time and fees combine, including the year cumulative growth overtakes cumulative contributions.
- Contribution Growth Calculator
Compare contribution schedules and escalation rates to see how much of a long-term balance comes from what you add versus what compounds.
- Cost of Waiting Calculator
Quantify what delaying the start of an investing plan by months or years costs at the end, using the same compounding assumptions throughout.
- Drawdown Recovery Calculator
Enter a percentage decline to see the gain required to return to the previous high, and how long that takes at a return you assume. Recoveries are always larg
- Fee Impact Calculator
Compare the same plan with and without an annual fee to see the cost in money rather than in basis points. A fee is charged on the whole balance every year, i
- Average Cost Calculator
Enter the amount you invest each time and the prices you paid to get your true average cost per share, and to see why it usually sits below the simple average