Retirement Calculators

Make Smarter Money Moves With the Right Investment Tools

Thinking about how to grow your money? Whether you're just starting or you've been investing for years, having the right tools can make a big difference. You don’t need a finance degree—just a bit of curiosity and a calculator or two.

We’ve got a bunch of calculators ready to help you figure out everything from interest rates to stock returns. They're all easy to use and designed to answer real questions people have every day.

Let’s take a look at how these tools can help you make confident, well-informed choices.

Get Clear on Your Goals and Timelines

Before you put your money to work, it's good to know where you're headed and how long you want to stay invested. Are you saving for a new car, a home, retirement, or your child’s college fund?

Here are a few calculators that come in handy at this stage:

• Investment Calculator: See how your money might grow over time with a fixed rate.
• Compound Interest Calculator: Understand how reinvesting interest helps you earn more in the long run.
• Future Value Calculator: Estimate what your savings could be worth down the road.
• Time Value of Money Calculator: Compare the value of a dollar today versus a few years from now.

These tools help you answer questions like: “If I invest $5,000 today, what could it turn into in 10 years?” or “How much do I need to invest each month to hit $100,000 by retirement?”

Find Out What You’re Really Earning

Knowing how much you actually earn from your investments gives you more control. It’s not just about the dollar amount—it’s also about the rate of return.

Use these tools to dig into the numbers:

• Rate of Return Calculator: Measures your annual return based on your starting and ending balance.
• Average Return Calculator: Helps you find the typical return over several years.
• Compound Growth Calculator: Looks at how fast your money is growing overall.
• CAGR Calculator (Compound Annual Growth Rate): Tells you your investment’s average yearly growth, even with ups and downs.
• Yield to Maturity Calculator: Great for long-term bond investments—shows total return if you hold the bond to the end.
• Dividend Yield Calculator: See how much income you’re getting from your dividend stocks, compared to the price you paid.

These tools are perfect if you’re wondering whether your investments are performing as well as you think they are—or if it’s time to make a change.

Compare Options and Choose Wisely

Different types of investments come with different costs, timelines, and risks. Some might be better for short-term goals, while others are made for the long haul.

Use these calculators to compare your choices:

• Bond Calculator and Bond Price Calculator: These are great for figuring out what a bond is really worth, and how much you should pay for it.
• Mutual Fund Calculator: Looks at how fees and returns add up over time.
• Expense Ratio Calculator: Helps you see how much of your returns are going toward management fees.
• Stock Calculator: Find out how much profit (or loss) you’ve made with your stock trades.
• Options Profit Calculator: For those who trade options, this tool shows potential gains or losses based on strike price and stock movement.
• Dividend Calculator and Dividend Growth Calculator: Show how reinvesting dividends can snowball your returns.

When you compare side by side, it’s easier to see what’s worth your time—and your money.

Understand the Impact of Interest and Rates

Interest rates shape how much you earn—or owe. Whether you're investing or saving, they matter more than most people think.

A few great tools to dig into this:

• Interest Calculator: Tells you how much interest you’ll earn or owe on a loan or savings.
• Simple Interest Calculator: For basic calculations without compounding.
• Monthly Interest Calculator: See how your interest adds up each month.
• Continuous Compound Interest Calculator: Shows what happens when interest is added constantly.
• Effective Annual Rate Calculator and APY Calculator: Both show the real yearly interest rate after compounding.
• Compound Interest Rate Calculator: Helps you figure out what rate would lead to a specific ending balance.
• Interest Rate Calculator: Useful if you know your balance and time but want to find out what rate got you there.

Whether you're opening a money market account or shopping for CDs, these tools give you clarity on how interest works in your favor.

Plan for Big Milestones (and Stay on Track)

Whether your goal is early retirement, buying property, or just hitting your first $100K, a solid plan can make all the difference.

Here’s how some of our tools can help you stick to your plan:

• Millionaire Calculator: Want to know what it takes to reach seven figures? This tool spells it out.
• Payback Period Calculator: Shows how long it’ll take to earn back your initial investment.
• ROI Calculator (Return on Investment): See how much you’re gaining compared to what you spent.
• NPV Calculator and IRR Calculator: Helpful for evaluating bigger projects or business decisions.
• MIRR Calculator (Modified Internal Rate of Return): Adds in costs and reinvestment to give a fuller picture.
• Present Value Calculator: Helps you figure out what future cash is worth in today’s dollars.
• Discounted Cash Flow Calculator: Great for valuing investments or businesses based on future income.

And if you’re just trying to figure out how long it’ll take your money to double? The Rule of 72 Calculator gives you a super fast answer.

Even tools like the Tax Equivalent Yield Calculator can help, especially if you're choosing between taxable and tax-free bonds.

And if you’re blending rates from different investments or loans, the Blended Rate Calculator makes that easy, too.

Ready to start crunching numbers? Try one of our calculators and take the next step toward reaching your money goals.