Financial calculators
20 plain-English tools across six categories to help you estimate, compare, and plan — the same way you'd sketch numbers on the back of a napkin, just faster and more precise. Every result here is an illustrative estimate based on the numbers you enter, not personalized financial, investment, or tax advice. Default assumptions (like rates of return, inflation, or care costs) are editable estimates you can change — real markets rarely hold to a fixed number. For a plan tailored to your situation, talk with a qualified financial or tax professional.
Growth & Time Value
The core math behind how money grows (or shrinks in value) over time.
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Compound Interest Calculator
See how a lump sum plus regular contributions could grow at a fixed rate.
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Future Value Calculator
Project what a present amount plus contributions could be worth later.
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Present Value Calculator
Find today's value of a future lump sum or stream of payments.
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Inflation Calculator
Translate money between today's dollars and future purchasing power.
Retirement
Project savings, income, and account growth across the accounts and benefits that fund retirement.
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Retirement Calculator
Estimate how current savings and contributions could grow by retirement.
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Retirement Income Calculator
Turn a nest egg into a sustainable withdrawal amount — and see how long it lasts.
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401(k) Calculator
Project your balance including salary, contribution rate, and employer match.
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IRA Calculator
Project tax-deferred growth of a traditional IRA over time.
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Roth IRA Calculator
Project tax-free growth and compare it against a traditional account.
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Social Security Calculator
Estimate how claiming earlier or later than full retirement age changes your benefit.
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Annuity Calculator
Estimate either what a savings stream builds to, or what a payout stream is worth.
Investments
Estimate income and growth from a portfolio you already hold or are building.
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Dividend Income Calculator
Estimate annual and monthly dividend income from a portfolio's yield.
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Investment Return Calculator
Calculate CAGR and total return between a beginning and ending value.
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Portfolio Growth Calculator
Plan a contribution schedule and see a year-by-year growth table.
Debt & Loans
Understand what you'll pay for a loan, and how fast you could become debt-free.
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Mortgage Calculator
Estimate monthly principal & interest, total interest, and total payments.
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Debt Payoff Calculator
See how quickly you could become debt-free using the avalanche method.
Family & Protection
Plan for the costs of educating, insuring, and caring for the people who depend on you.
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College Savings Calculator
Project a 529 or savings balance against an editable target cost.
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Life Insurance Calculator
Estimate a simplified coverage need using the income-replacement method.
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Long-Term Care Calculator
Project the cost of future care and any funding gap versus your coverage.
Net Worth
Add up what you own and subtract what you owe for a single snapshot number.
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Net Worth Calculator
Sum your assets and liabilities into one net worth snapshot with a breakdown.
Compound interest calculator
See how a lump sum plus optional regular contributions could grow over time at a fixed rate.
Learn more about SavingIllustrative estimate assuming a constant rate of return. Real-world rates fluctuate, and this is not a guarantee of future results.
Future value calculator
Project what a present amount, plus an optional periodic contribution, could be worth after a number of years at a fixed annual rate. FV = PV(1+r)^n + PMT×[(1+r)^n − 1]/r.
Learn more about SavingIllustrative estimate assuming a constant annual rate of return. Actual returns vary year to year.
Present value calculator
Find today's value of either a single future amount (PV = FV / (1+r)^n) or a stream of periodic payments (PV = PMT×[1 − (1+r)^−n]/r).
Learn more about Portfolio ConstructionIllustrative estimate using a constant discount rate. This is not a guarantee that a future payment will actually be received.
Inflation calculator
Bidirectional: see either the future cost of today's amount, or today's purchasing power of a future amount.
Learn more about Retirement IncomeIllustrative estimate using a constant assumed inflation rate. Actual inflation varies year to year and by category of spending.
Retirement calculator
Estimate how your current savings and monthly contributions could grow by retirement, assuming a steady annual return.
Learn more about Retirement IncomeBalance by year
| Age | Year | Balance |
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This is an illustrative estimate based on a constant assumed rate of return — it is not a guarantee of future performance. Actual investment returns vary and may be negative in some years.
Retirement income calculator
Turn a nest-egg balance into a sustainable withdrawal amount, and see how long your balance lasts at a withdrawal amount you choose.
Learn more about Retirement IncomeThe withdrawal-rate income is a simple balance × rate estimate; the "years balance lasts" figure uses present-value-of-annuity drawdown math at your assumed return. Both assume a constant return and steady withdrawals — real portfolios fluctuate and can run out sooner in down markets.
401(k) calculator
Project your 401(k) balance from your current balance, salary, contribution rate, employer match, and expected return.
Learn more about 401(k)Illustrative estimate. Assumes salary, contribution rate, and match stay constant, and a fixed rate of return — actual plans vary and 401(k) contribution limits are set by the IRS each year.
IRA calculator
Project the tax-deferred growth of a traditional IRA from a starting balance and ongoing contributions.
Learn more about IRAIllustrative estimate. Traditional IRA growth is tax-deferred — withdrawals are generally taxed as ordinary income in retirement. Contribution limits are set annually by the IRS; enter whatever amount applies to your situation.
Roth IRA calculator
Project the tax-free growth of a Roth IRA, and optionally compare the after-tax outcome against a traditional account.
Learn more about Roth IRAIllustrative estimate. Roth IRA contributions are made after-tax and qualified withdrawals are generally tax-free; the traditional comparison assumes contributions were instead made pre-tax and taxed at your marginal rate upon withdrawal, ignoring the pro-rata rule, contribution-limit phaseouts, and the five-year rule. Contribution limits are set annually by the IRS.
Annuity calculator
Estimate either the future value of an annuity you're saving toward, or the present value (purchase price) of a payout stream you'd receive.
Learn more about AnnuitiesIllustrative estimate for an ordinary annuity (payments at the end of each period) at a constant assumed rate. Actual annuity contracts carry fees, surrender charges, and terms that vary by insurer — this is not a quote.
Dividend income calculator
Estimate annual and monthly dividend income from a portfolio value and yield, with an optional dividend growth rate and reinvestment toggle to project income over time.
Learn more about Dividend InvestingIllustrative estimate. Dividend payments are not guaranteed and can be reduced or eliminated by the issuer at any time; yields and growth rates fluctuate with market conditions.
Investment return calculator
Calculate the compound annual growth rate (CAGR) and simple total return between a beginning and ending value. CAGR = (Ending / Beginning)^(1/years) − 1.
Learn more about Growth InvestingHistorical or hypothetical return calculation based on the two values you entered. Past performance does not guarantee future results.
Portfolio growth calculator
Plan a starting balance plus a regular contribution schedule over N years, with a year-by-year growth table.
Learn more about Portfolio ConstructionBalance by year
| Year | Contributions to date | Balance |
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Illustrative estimate assuming a constant rate of return and consistent contributions. Real portfolios fluctuate in value and may lose money in some years.
Mortgage calculator
Estimate your monthly principal & interest payment, total interest, and total payments for a fixed-rate mortgage. M = P×[r(1+r)^n]/[(1+r)^n − 1].
Learn more about Debt| Year | Principal paid | Interest paid | Remaining balance |
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Illustrative estimate for a fixed-rate, fully amortizing mortgage. Actual rates, fees, taxes, insurance premiums, and HOA dues from a lender will differ — this is not a loan offer or a Loan Estimate.
Debt payoff calculator
See how quickly you could become debt-free using the avalanche method — paying extra toward your highest-interest debt first while covering minimums on the rest. (This is the same avalanche method from the self-guided quiz.)
Learn more about DebtPayoff order (avalanche method: highest interest rate first)
| Order | Debt | Rate | Starting balance | Paid off in |
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Illustrative month-by-month simulation assuming fixed rates and consistent payments. Missed payments, rate changes, or fees will change your actual payoff time and cost.
College savings calculator
Project a 529 or other savings balance against a target cost, and see your projected surplus or shortfall.
Learn more about SavingThe $120,000 default target cost is an editable estimate for illustration only, not a factual college cost figure — actual costs vary widely by school, program, and years of attendance. Assumes a constant rate of return.
Life insurance calculator
A simplified, needs-based estimate: years of income replacement plus outstanding debts, remaining mortgage, and future education costs, minus existing liquid savings and investments.
Learn more about InsuranceThis is a simplified estimate using the income-replacement method, not personalized insurance or financial advice. It doesn't account for taxes, inflation, existing life insurance you may already hold, or your family's full financial picture — a licensed insurance professional can help size a policy to your actual needs.
Long-term care calculator
Project the future cost of care, factoring in care-cost inflation over your deferral period, minus any existing LTC savings or insurance coverage.
Learn more about Long-Term CareThe default annual cost and inflation rate are editable estimates, not facts about your future care costs — actual costs vary widely by location, care type, and provider. This is educational only, not insurance or medical planning advice.
Net worth calculator
Add up your asset line items and subtract your liability line items for a single net worth snapshot, with a simple breakdown.
Learn more about Budgeting| Item | Type | Amount |
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A snapshot based on the values you enter today. Asset values (especially real estate and investments) fluctuate — update your figures periodically for an accurate picture.
Social Security calculator
Enter your own estimated benefit at full retirement age (FRA) from your Social Security statement, then see how claiming earlier or later changes it, using the SSA's official adjustment methodology.
Learn more about Social SecurityAdjustment formula per the Social Security Administration: benefits claimed before FRA are reduced 5/9 of 1% per month for the first 36 months early, plus 5/12 of 1% per month for any additional months earlier than that; benefits claimed after FRA (up to age 70) increase 2/3 of 1% per month (8%/year of delayed retirement credit). Source: Social Security Administration, ssa.gov. This is educational only — your actual benefit depends on your full earnings record and SSA's determination.