Free calculators
Calculators and utilities
Free tools that turn quoted figures into the numbers that matter. All worked examples, not product quotes.
Position cost
2 tools01
Average-down calculator
What does averaging down do to your cost basis? Add each buy below to see the new per-share cost, the breakeven sell price, and how far the current price is from it.
Open tool →02
DCA return calculator
Is your recurring plan in the green? How big a rise gets you back to breakeven, and how many periods until a target return under an assumed rate?
Open tool →Rates & growth
4 tools01
Real-APR calculator
Convert a quoted monthly fee rate, installments and upfront charges into the effective annualized cost (IRR) — see how far the sticker figure understates the real one.
Credit-card installmentCash loanBNPL / retail installmentAuto financing"Zero-down" installment
Open tool →02
Annualized-return calculator
Staggered contributions each compound for a different span. The XIRR measure finds the monthly rate that grows all of them into today's value, annualized.
Open tool →03
Compound-growth calculator
FV = P(1+r)ⁿ + PMT·[((1+r)ⁿ −1)/r]. Four inputs show where principal plus steady saving compounds to.
Open tool →04
Inflation purchasing-power calculator
Inflation is compounding in reverse: the figure stays, purchasing power shrinks. Three inputs show a sum's time value.
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