Tools

Run your own numbers.

Educational estimates, not predictions. Calculations run in your browser; no account is needed. Adjust assumptions to explore different scenarios, including negative returns.

Compound Growth Calculator

TOOL 01

Starting amount ($)Enter 0 or more.

Monthly contribution ($)Enter 0 or more.

Annual return (%)Effective annual return, −99% to 30%; not a guaranteed rate.

Years to growWhole numbers, 1–60.

Future value

growth multiple —

You contributed

$0 earned by compounding

Assumes a constant effective annual return, converted to an equivalent monthly rate, with contributions at month-end. Excludes taxes, fees and inflation. Real returns vary; losses are possible.

Retirement Nest Egg Calculator

TOOL 02

Your current ageWhole numbers, 18–80.

Retirement ageWhole numbers, 19–85.

Saved so far ($)Enter 0 or more.

Monthly contribution ($)Enter 0 or more.

Expected annual return (%)Effective annual return, −99% to 15%; not a guaranteed rate.

Nest egg at retirement

— years of growth

Illustrative first-year withdrawal (4%)

≈ $0/month as an initial withdrawal estimate

The traditional 4% rule starts with 4% of the initial retirement portfolio, then adjusts that dollar withdrawal for inflation, often over a roughly 30-year horizon. This tool only estimates the first-year amount; it does not simulate withdrawals or prove sustainability. Figures are future dollars before taxes, fees and inflation; principal may decline.

Debt Payoff Calculator

TOOL 03

Balance ($)Enter 0 or more.

Annual interest rate / APR (%)Enter 0 or more (% APR).

Monthly payment ($)Enter 0.01 or more.

Debt-free in

—

paid off around —

Total interest paid

Simplified estimate: APR ÷ 12 monthly interest, fixed monthly payments, no fees or new borrowing. Many cards accrue interest daily. Modeling stops at 1,200 months; an unpaid balance is never labeled paid off.