Investment calculators

Stock returns, dividends, options pricing, bond ladders, and asset allocation

Advisor Fee Drag CalculatorCalculate the lifetime dollar cost of an AUM advisory fee on portfolio growth and see how much wealth you lose to fees over time.Annualized Stock Return (CAGR) CalculatorCalculate annualized return (CAGR), capital gain vs. dividend split, and benchmark a holding against the S&P 500 averageAsset Allocation CalculatorDetermine optimal stock/bond/cash mix based on age and risk toleranceBeta CalculatorBeta calculator: measure stock beta, market risk, and systematic risk using the beta formula to understand how a stock moves relative to the marketBlack-Scholes Option PricerEstimate fair value of call and put options using the Black-Scholes model with inputs for stock price, strike, expiry, volatility, and risk-free rate.Bond Convexity CalculatorEstimate bond convexity and the convexity-adjusted price change for a yield moveBond Duration CalculatorCalculate modified duration and interest rate sensitivity of bondsBond Ladder CalculatorCreate bond ladders with maturity schedule and income projectionBond Yield to Maturity CalculatorCalculate bond yield to maturity, current yield, total coupon income, gain/loss at maturity, total return, and premium/discount statusCapital Gains Tax Calculator with NIITCalculate federal capital gains tax using 2025 progressive brackets plus the 3.8% net investment income taxCorrelation & Diversification AnalyzerPortfolio correlation calculator: measure diversification benefit, asset correlation, and r-squared to build a more resilient portfolioCovered Call Strategy CalculatorCovered call calculator: estimate options income, premium income, and call option strategy returns for income generation on existing stock positionsDCA vs. Lump Sum Comparison CalculatorSimulate monthly dollar-cost averaging against a one-time lump sum, with volatility, to see which strategy winsDebt Payoff vs. InvestCompare paying off debt vs. investing the same amount - mathematically determine which strategy winsDebt vs. Invest CalculatorCompare paying off debt vs. investing the same money - see which strategy builds more net worth over 5 and 10 yearsDividend Discount Model CalculatorEstimate the fair value of a stock from next year's dividend, your required return, and the constant dividend growth rate using the Gordon growth modelDividend Growth CalculatorProject future dividend income using starting yield, annual dividend growth rate, and reinvestment to see long-term passive income potential.Dividend Payout Ratio CalculatorCalculate the dividend payout ratio and retention ratio as percentages from dividends paid and net incomeDividend Reinvestment (DRIP) CalculatorDividend reinvestment calculator: model how reinvesting dividends drives compound growth over time and compare DRIP vs. cash payout returns.Dividend Yield CalculatorCalculate dividend yield and annual dividend income from stock holdingsDividend Yield-on-Cost CalculatorCalculate your dividend yield on cost from purchase price and current dividend, and project future yield on cost with an assumed dividend growth rateDollar-Cost Averaging Growth CalculatorProject the long-term value of investing a fixed amount on a regular schedule using compound growthEarnings Per Share (EPS) CalculatorEarnings per share calculator: apply the EPS formula to find basic and diluted EPS and compare stock earnings across reporting periodsESPP CalculatorCalculate ESPP shares purchased, lookback discount price, immediate gain, and ordinary income tax owed from your employee stock purchase plan.EV/EBITDA Multiple CalculatorCalculate enterprise value and the EV to EBITDA valuation multiple from market cap, debt, cash, and EBITDAFCF Yield CalculatorCalculate free cash flow yield as a percentage from a company free cash flow and its market capitalizationHSA CalculatorCalculate optimal Health Savings Account contributions and project balance growth with tax benefitsI-Bond and T-Bill Yield CalculatorCalculate I-Bond composite rate accrual and T-Bill annualized investment yield to compare inflation-protected and short-term government securities.Investment Fee CalculatorSee how expense ratios and fund fees erode long-term investment returns over timeKelly Criterion CalculatorCalculate the optimal bet or position fraction from win probability and payoff oddsMargin CalculatorCalculate buying power, margin calls, and interest costs on marginMaximum Drawdown CalculatorFind the largest peak-to-trough decline in an equity curve and the recovery requirementOptions Break-Even AnalyzerOptions break-even calculator: find the break-even price for any call option or put option based on premium and strike price at expirationOptions P&L CalculatorCalculate call and put option profit or loss at expiration for any positionOptions Profit/Loss CalculatorCalculate profit and loss for call and put options at different pricesP/E & PEG Ratio CalculatorCalculate P/E ratio, earnings yield, and PEG ratio, or reverse it to find the implied share price from a target P/EP/E Ratio vs. Sector Benchmark CalculatorCalculate a stock P/E and earnings yield, then benchmark it against its sector median to gauge cheap or expensivePerpetuity Value CalculatorCalculate the present value of a level or growing perpetuity from the periodic payment, discount rate, and growth ratePivot Points CalculatorCompute classic floor-trader pivot, support, and resistance levels from high, low, and closePortfolio Rebalancing CalculatorPortfolio rebalancing calculator: see exact rebalancing trades to restore target allocation, drift percentage, and over or underweight positionsPosition Size CalculatorSize a trade from account equity, risk percent, and stop distance to cap your lossProfitability Index CalculatorCalculate the profitability index and net present value of a project from its present value of cash flows and initial investmentREIT Dividend CalculatorREIT dividend calculator: estimate real estate investment trust income from dividend yield, FFO, and share count to plan passive incomeRental Property ROI CalculatorCalculate real estate investment returns and cash-on-cash ROIRoth Conversion CalculatorDetermine if Roth conversion is advantageous for your situationRSU / Stock Option Tax CalculatorEstimate federal and state income tax owed when RSUs vest or stock options are exercised using 2026 bracketsRSU Vest Tax CalculatorCalculate federal supplemental withholding (22%/37%), state tax, and gap owed at vesting on RSU stock awardsSector Rotation CalculatorSector rotation calculator: align ETF allocation with the economic cycle and compare sector performance to time your portfolio shiftsSharpe Ratio CalculatorSharpe ratio calculator: measure risk-adjusted return and compare portfolio performance against volatility to evaluate if extra risk is worthwhileSimple Stock Profit CalculatorQuickly calculate profit, loss, and percentage return from a stock buy price, sell price, shares, and total dividendsSortino Ratio CalculatorMeasure risk-adjusted return using downside deviation instead of total volatilityStandard Deviation CalculatorPortfolio volatility calculator: compute annualized standard deviation and stock volatility to measure investment risk vs. expected return.Stock Options Calculator (ISO vs NSO vs RSU)Calculate tax owed and net proceeds for ISO, NSO, and RSU stock-based compensation including AMTStock Portfolio TrackerTrack multiple stocks with cost basis, gains, and allocation percentagesTax-Deferred Growth CalculatorCompare long-term portfolio growth in taxable versus tax-deferred accounts using contribution, return rate, tax bracket, and investment horizon.Tax-Equivalent Yield CalculatorConvert a tax-exempt municipal bond yield into its taxable-equivalent yield based on your federal and state marginal tax rates.Tax-Loss Harvesting CalculatorEstimate tax savings from selling losing positions to offset capital gains, factoring in your tax bracket, gain type, and loss amount.Treynor Ratio CalculatorEvaluate portfolio return per unit of systematic risk (beta) above the risk-free rateValue at Risk (VaR) CalculatorEstimate maximum potential portfolio loss at a given confidence level using portfolio value, volatility, and time horizon.Wash-Sale Disallowed Loss CalculatorEstimate the disallowed and currently deductible portions of a tax loss under the wash-sale ruleWhat If I'd Invested CalculatorSee what a past investment could be worth today at historical average returnsYield to Call CalculatorCalculate a callable bond's yield to call from price, coupon, call price, and years to call

About Investment Calculators

The Investment calculator hub is built for self-directed investors who want to evaluate ideas, size positions, and understand risk before placing trades, not for active traders chasing a tip. Whether you are a long-term index investor rebalancing once a year, a dividend-growth investor projecting income a decade out, or a more active investor looking at options Greeks and Sharpe ratios, the same fundamental questions show up: What is this worth? What return am I likely to get? How much risk am I taking?

And how does this position interact with the rest of my portfolio? The tools here are organized around those questions. Stock Return, Dividend Yield, P/E Ratio, and EPS calculators handle the basics of single-stock evaluation. Bond Yield, Bond Duration, and Bond Ladder calculators cover the fixed-income side, which has become meaningfully more interesting in recent years: with the 10-year Treasury holding in the 4–5% range and short-term rates that ranged above 5% through much of 2023–2025, bonds and CDs once again offer real yields competitive with the long-term equity premium. Asset Allocation and Portfolio Rebalancing tools answer the most-important-and-most-ignored question: what mix of stocks, bonds, and cash actually fits your timeline and risk tolerance?

A common rule of thumb is to hold a stock allocation roughly equal to 110 minus your age, but the right answer depends on your liabilities, income stability, and emotional risk tolerance more than any formula. The Sharpe Ratio, Beta, Standard Deviation, and Value at Risk calculators address the risk side, useful when comparing two strategies that look similar on return but behave very differently in a drawdown. Dollar-Cost Averaging is one of the most-asked questions in investing: lump sum tends to outperform DCA roughly two-thirds of the time in historical backtests because markets rise more often than they fall, but DCA wins on behavioral grounds (it is psychologically easier to keep investing through a downturn). Tax-Loss Harvesting and Tax-Deferred Growth calculators bring in the tax dimension, which often determines real after-tax outcomes more than gross return.

For options, the Black-Scholes pricer, Profit/Loss, and Break-Even tools cover the basics of single-leg and simple multi-leg strategies. None of these calculators are investment advice; they are tools for thinking. Past returns do not predict future returns, the assumptions you enter (return, volatility, holding period) drive the output, and concentrated positions, leverage, and derivatives can lose more than the calculator suggests. For decisions involving meaningful sums or your retirement, consult a fiduciary financial advisor.

When to Use a Investment Calculator

  • Comparing the after-tax return of a taxable brokerage account versus a tax-deferred IRA or 401(k)
  • Sizing a stock/bond/cash allocation appropriate for your age and risk tolerance
  • Evaluating a dividend stock or REIT by yield, payout ratio, and projected growth
  • Deciding between investing a windfall as a lump sum or via dollar-cost averaging
  • Calculating yield to maturity, duration, and laddering schedule for a bond portfolio
  • Pricing options or modeling profit/loss on a covered call or simple spread

Frequently Asked Questions

Is dollar-cost averaging better than investing a lump sum?

Historically, lump-sum investing has outperformed DCA in roughly two-thirds of rolling 12-month periods because markets trend up more often than down. DCA wins on behavioral and risk-management grounds: it spreads timing risk and is psychologically easier to maintain through volatility. The right choice depends on the size of the sum relative to your portfolio and your tolerance for short-term loss.

What asset allocation should I use for my age?

A traditional rule of thumb is "100 minus your age" or "110 minus your age" in stocks, with the rest in bonds and cash. This is a starting point, not a prescription: your actual allocation should reflect your time horizon, income stability, other assets (real estate, pension), and emotional ability to hold through a 30–50% drawdown. The Asset Allocation calculator generates a personalized target.

How do these calculators handle taxes?

Most assume pre-tax returns unless you use the Tax-Deferred Growth or Tax-Loss Harvesting calculators specifically. After-tax outcomes depend on your marginal rate, the type of account (taxable, traditional, Roth), and the tax character of the return (ordinary income, qualified dividends, long-term capital gains). For accurate after-tax planning, model both gross return and your tax situation.

Are these calculators a substitute for financial advice?

No. They are decision-support tools that compute well-defined formulas (yield, duration, Sharpe ratio) from your inputs. They do not know your full financial picture, tax situation, or goals. For meaningful sums, retirement planning, or anything involving leverage and derivatives, consult a fee-only fiduciary financial advisor.

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