Investing & FIRE calculators, minus the noise
Free, no-signup tools that show how your money could grow over time — how much is your own contribution, and how much is compounding doing the work. Educational only; not financial advice.
Compound Interest Calculator
See how an initial investment plus regular contributions can grow over time with compound interest — and how much of the final balance is interest versus your own money.
Open calculator →Dollar-Cost Averaging vs Lump Sum Calculator
Have a pot of cash to invest? Compare investing it all at once against spreading it over several months, and see which strategy ends up ahead — and by how much.
Open calculator →ETF Fee Drag Calculator
Compare two funds' expense ratios and see how much a higher annual fee quietly costs you over decades — the money that leaves your account instead of compounding.
Open calculator →How Much to Invest Monthly to Reach Your Goal
Work out the monthly investment needed to reach a savings target — like $1 million by age 65 — from your current savings and an expected rate of return.
Open calculator →Coast FIRE Calculator
Find out how much you need invested today so you can stop contributing and still hit your retirement number — the point where compounding coasts you to financial independence.
Open calculator →When Will I Reach My Money Goal?
Enter a savings goal, what you have now, and how much you invest each month to see how many years it takes to get there — the timeline behind becoming a millionaire, hitting six figures, or any target.
Open calculator →Latest guides
All guides →Fund Fees Explained: Why a 1% Expense Ratio Matters
A plain-English guide to fund fees and expense ratios — what the numbers mean, why a seemingly tiny 1% annual fee can cost you a large share of your returns over decades, and how to check what you are paying.
Read guide →What Is Compound Interest? A Plain-English Guide
A plain-English explanation of compound interest — what it is, how "interest on interest" works, why time matters more than timing, and a simple worked example anyone can follow.
Read guide →How Much Should You Invest Each Month?
A practical, plain-English guide to deciding how much to invest each month — how to work backwards from a goal, why percentages beat fixed amounts, and how to start when money is tight.
Read guide →