Savings & Investing Calculators
Free savings and investing calculators: compound interest, savings goals, emergency funds, HSAs, 529 college plans, CDs, and the impact of inflation.
HSA Tax Savings Calculator
A Health Savings Account is the only account with a triple tax advantage: contributions are pre-tax, growth is tax-free, and qualified withdrawals are tax-free. This calculator shows your 2026 limit and the taxes you save by contributing.
Compound Interest Calculator
Small monthly contributions grow surprisingly fast when returns compound over decades. This calculator shows your future balance, how much you contributed, and how much of it is pure interest.
Savings Goal Calculator
Whether it is a down payment, a car, or a college fund, this calculator works backward: given your target, timeline, and expected return, it tells you exactly how much to save each month.
Emergency Fund Calculator
Financial planners recommend 3–6 months of expenses in cash. This calculator sets your target, shows how much you already have covered, and how long it takes to close the gap.
Inflation Calculator
Inflation quietly erodes purchasing power every year. This calculator shows how much money you will need in the future to buy what a given amount buys today.
529 College Savings Calculator
A 529 plan grows tax-free for education, but only if you contribute enough. This calculator projects your balance by the time college starts and compares it to estimated costs.
CD Interest Calculator
Certificates of deposit lock in a fixed rate for a fixed term. This calculator shows your total interest and what the CD is worth at maturity.
Lump Sum vs Monthly Payments Calculator
Lottery winnings, pensions, and structured settlements all pose the same question: take the money now, or spread it over time? This calculator compares the two using present value.
Net Worth Calculator
Net worth is the single number that summarizes your finances: everything you own minus everything you owe. This calculator adds it up in under a minute.
ESPP Calculator
An employee stock purchase plan lets you buy company stock at a discount — often 15% below market, sometimes with a lookback to the lower price. This calculator shows the deal in dollars.
Simple Interest Calculator
Simple interest is charged or earned only on the original principal — no interest on interest. Use this calculator for short-term loans, car notes, and bonds, and see how much less it pays than compounding.
Savings Rate Calculator
Your savings rate — the share of income you keep — is the strongest lever in personal finance. This calculator shows yours and how long it takes to reach financial independence at that pace.
DRIP Calculator (Dividend Reinvestment)
Reinvesting dividends is how income stocks turn into growth machines. This calculator models a dividend reinvestment plan — contributions, compounding, and the dividend income stream it produces.
Rule of 72 Calculator
The rule of 72 is the fastest mental math in finance: divide 72 by your annual return and you get the years to double. This calculator shows the shortcut and the exact math.
APR to APY Calculator
APR understates what you earn; APY is the real number. This calculator converts any nominal rate into the effective annual yield for your compounding frequency.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Official figures: IRS.gov.