Savings & Investment Calculators
Grow your wealth with compound interest, retirement planning, and investment return calculators.
21 free tools available - no signup required
Building long-term wealth starts with understanding how your money grows. Our savings and investment calculators cover everything from basic compound interest and high-yield savings to 401(k) projections, Roth IRA conversions, and FIRE planning. See how consistent contributions and time in the market compound into life-changing wealth, and plan your retirement with confidence.
401(k) Calculator
Free 401(k) calculator that projects your retirement balance based on salary, contribution rate, employer match, and investment growth. See how increasing your contribution by just 1% can add tens of thousands to your nest egg.
529 Plan Calculator
Calculate how much to save in a 529 plan for college expenses. Estimate tax-free growth, compare contribution strategies, and project future education costs with our free calculator.
Annuity Calculator
Free annuity calculator that projects the future value of regular contributions with compound interest. See how monthly, quarterly, or annual payments accumulate over time for retirement planning, education funding, or long-term savings goals.
Annuity Payout Calculator
Calculate your annuity payout amounts with our free calculator. Estimate monthly, quarterly, or annual income from your annuity balance based on payout rate, period, and frequency.
APY Calculator
Calculate Annual Percentage Yield (APY) from any stated interest rate and compounding frequency. Compare APY across accounts and understand how compounding frequency affects your real earnings.
CD Calculator
Free CD calculator that shows your maturity value, interest earned, and APY for any certificate of deposit. Compare CD terms, compounding frequencies, and rates to find the best return on your deposit.
College Cost Calculator
Estimate the future cost of college including tuition inflation. Calculate how much you need to save for a 4-year degree at public, private, or out-of-state schools with our free calculator.
Compound Interest Calculator
Free compound interest calculator that shows how your money grows over time. Enter your principal, rate, contributions, and compounding frequency to project future value, total interest earned, and growth charts instantly.
Dividend Reinvestment Calculator
Calculate how dividend reinvestment (DRIP) grows your portfolio over time. See the compound effect of reinvesting dividends vs. taking cash with our free DRIP calculator.
Dollar Cost Averaging Calculator
Calculate how dollar cost averaging builds wealth by investing fixed amounts at regular intervals. Compare DCA vs. lump sum investing and see how volatility smoothing works.
Education Savings Calculator
Free education savings calculator that projects future college costs with tuition inflation, shows your savings gap, and calculates the exact monthly contribution needed. Plan for 529 accounts, tuition funds, and education goals.
FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number and timeline. Estimate how many years until you can retire based on savings rate, investment returns, and annual expenses.
Investment Returns Calculator
Free investment returns calculator that computes your total return, percentage gain, and annualized return (CAGR) for any investment. Compare stock, real estate, crypto, or bond performance over any time period.
IRA Calculator
Free IRA calculator that projects your Traditional IRA balance at retirement, after-tax value, and estimated monthly income. Compare contribution strategies and see how tax-deferred growth accelerates your retirement savings.
Money Market Calculator
Calculate earnings on money market accounts with our free calculator. Compare rates, see the effect of compounding on your deposits, and project growth over time.
Retirement Calculator
Free retirement calculator that projects your nest egg, inflation-adjusted savings, and monthly retirement income using the 4% rule. See how your current savings, monthly contributions, and investment returns translate into retirement readiness.
Roth IRA Calculator
Free Roth IRA calculator that projects your tax-free retirement balance, growth, and estimated monthly income. See how contributing the maximum each year builds a tax-free nest egg and compare the Roth advantage over taxable accounts.
Rule of 72 Calculator
Use the Rule of 72 to quickly estimate how long it takes to double your money at a given interest rate. Free calculator with instant results and comparison tables.
Savings Calculator
Free savings calculator that projects how your money grows with regular deposits and compound interest. See your future balance, total deposits vs. interest earned, and set realistic savings goals for emergency funds, vacations, or major purchases.
Stock Return Calculator
Calculate your total stock return including price appreciation and dividends. Estimate annualized returns, compare investments, and understand real vs. nominal performance with our free calculator.
Wealth Growth Calculator
Project how your net worth grows over time with regular savings and compound investment returns. Model different asset allocations, contribution rates, and timelines with our free wealth growth calculator.
Retirement Calculator 2026
Plan your retirement with 2026 contribution limits, Social Security estimates, and current investment return projections. Free retirement calculator.
Savings & Investment Guides
401(k) vs Roth IRA: Where Should Your Money Go First?
Always capture the full employer 401(k) match before contributing anywhere else -- that's an instant 50-100% return. After that, a Roth IRA beats a 401(k) for most earners under $100,000. Here's the exact order and the math behind it.
8 min readBest High-Yield Savings Accounts in 2026: APY Comparison
The FDIC reports the national average savings account rate at 0.41% APY as of early 2026, while leading online high-yield savings accounts are offering 4.0-5.0% APY -- a 10x difference that amounts to $585/year in extra interest on a $13,000 balance. The difference is structural, not temporary.
8 min readCompound Interest Explained: How Your Money Grows Exponentially
Compound interest earns returns on your returns. A $10,000 investment at 7% becomes $76,000 in 30 years without adding a single dollar. Here's how it works.
7 min readHow Much Emergency Fund Do You Really Need?
The Federal Reserve's 2024 SHED survey found that 37% of Americans couldn't cover a $400 emergency from savings alone. The standard 3-to-6-month guideline is a starting point -- your actual target depends on income stability, household structure, and health factors.
8 min readHow Much Life Insurance Do I Need? The DIME Method
The DIME method -- Debt, Income, Mortgage, Education -- gives you a concrete coverage target instead of a vague rule of thumb. Here's how to calculate it for your situation.
9 min readThe 50/30/20 Budget Rule: How to Actually Follow It
The Bureau of Labor Statistics Consumer Expenditure Survey shows the average American household spends 33% of after-tax income on housing alone -- which is why the 50/30/20 rule works for some people but needs adjustment for others. The framework is a starting point, not a fixed rule.
8 min readRetirement Planning by Age: Your Decade-by-Decade Guide
Retirement looks different in your 20s, 40s, and 60s. Here are the specific targets, allocation shifts, and catch-up strategies for each decade -- with real numbers.
11 min readHow Much Should You Have Saved for Retirement by Age?
By 30, aim for 1x your salary saved. By 50, target 6x. By 67, aim for 10x. Here are the benchmarks, the math behind them, and strategies if you're behind.
9 min readRoth IRA vs Traditional IRA: Which Should You Choose?
Roth IRAs offer tax-free growth and withdrawals; Traditional IRAs give you a tax break now. The right choice depends on your current tax bracket and future expectations.
9 min readReviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. All calculations run privately in your browser - no data is stored or shared.