Make better decisions with your money.
Free calculators for property, savings and investments. No sign-up: enter your numbers and get one clear answer, explained in plain words.
$5,000 invested + $250/mo, over 20 years
$150,425
What do you want to calculate?
Try it now
See what your assumptions actually mean.
Change the numbers below and watch the future value, the split between what you contributed and what growth earned you, and the chart all update immediately.
Estimated future value
$150,425
after 20 years
Contributions
$65,000
Growth
$85,425
Illustrative only — a fixed annual rate is a simplification real markets never quite deliver. Not a projection or a recommendation.
Featured calculators
Good places to begin.
Savings & Growth
Compound Interest Calculator
Future value of a lump sum plus monthly contributions, compounding monthly.
Planning & Returns
ROI Calculator
The return on any investment, in total and per year.
Real Estate
Property Investment Calculator
A rental purchase from start to finish: monthly cash flow, yield, and your profit if you sell.
Real Estate
Rental Yield Calculator
Gross and net rental yield on any residential or commercial property.
Investing & Income
Bond Yield Calculator
What a bond really earns you a year if you keep it until it ends, with every step shown.
Savings & Growth
APY Calculator
What a savings account really pays in a year, once interest earns interest.
Learn
Understand the number before you use it.
- How to calculate yield on an investment: the formula for each assetYield = yearly income ÷ price × 100. The formula for rental property, cap rate, dividends, bonds, savings and T-bills, with a worked example for each.
- What is a good rental yield? Benchmarks and three testsAverage gross rental yields run from about 4% to 7% across major markets. How to tell whether yours is good: three comparisons and a worked example.
- The 28/36 rule explained: what lenders let you spend on housingAt most 28% of income on housing and 36% on all debts: how lenders apply the 28/36 rule, with a worked example of which ratio limits you.
- The 4% rule explained: where 25 times your spending comes fromThe 4% rule: withdraw 4% of your savings in year one, then adjust for inflation, so you need 25 times your yearly spending. Where it comes from and its limits.
Trust
Built around transparent assumptions.
Formulas are visible
Every calculator shows the exact formula behind its result, in the open, on the same page.
Assumptions are explicit
Every number on screen is driven by an input you set — there's no hidden variable adjusting the result.
Scenarios can be modified
Change any input and the result updates immediately, so you can test a range of outcomes, not just one.
Estimates, not advice
Every result is an educational estimate based on the numbers you enter — not a recommendation or a guarantee.
Ready to see your numbers?
Start with a number.
Find the calculator for the decision you're trying to understand.
Explore calculators