Are the financial calculators free to use?

Yes. All our financial calculators and tools are completely free. No sign-up or account required. Use them as often as you like.

Do I need to create an account to use the tools?

No. Our calculators work without an account. Create a free Investors Lab account if you want to save portfolios, track progress, and access learning paths.

What calculators are available?

We offer compound interest, investment return, retirement, FIRE, dollar cost averaging, dividend reinvestment, net worth, mortgage vs invest, portfolio allocation, and risk assessment tools.

Investors Lab

No sign-up required

Free Financial Tools

Calculators and tools to plan your financial future. Compound interest, retirement, investments, and more — all free.

Investing

Grow your wealth

Compound Interest Calculator

See how your money grows over time with the power of compound interest. Enter your starting balance, monthly contributions, interest rate, and time horizon.

Investment Return Calculator

Calculate the future value of your investments. Input your initial amount, expected annual return, dividend yield, and investment horizon to see projected growth.

Dollar Cost Averaging Calculator

See how dollar cost averaging builds wealth over time. Enter your monthly investment amount, expected return, and time period to visualize steady growth.

Dividend Reinvestment Calculator

Project your dividend income over time. See how reinvesting dividends accelerates portfolio growth with a starting investment, yield, and growth rate.

Retirement

Plan your future

Retirement Calculator

Plan your retirement by estimating how much you need to save. Enter your current age, retirement age, savings, and monthly contributions to see if you're on track.

FIRE Calculator

Calculate your path to Financial Independence, Retire Early. Enter your expenses, savings rate, and portfolio value to find your FIRE number and timeline.

Budgeting

Manage your money

Net Worth Calculator

Calculate your total net worth by listing your assets and liabilities. Get a clear picture of your financial health with a breakdown of what you own vs. what you owe.

Mortgage vs. Invest Calculator

Should you pay off your mortgage early or invest the extra money? Compare both strategies side by side with your actual mortgage rate and expected investment return.

Assessment

Know yourself

Portfolio Allocation Calculator

Get a suggested portfolio allocation based on your age and risk tolerance. See how to split your investments across stocks, bonds, and other asset classes.

Investment Risk Tolerance Quiz

Discover your investment risk profile with this 10-question quiz. Get a personalized assessment of whether you're a conservative, moderate, or aggressive investor.

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