Savings & Investment Calculators
Plan your financial future with our savings and investment calculators. See how compound interest, regular contributions, and time can grow your wealth.
Interest Calculator
Calculate simple and compound interest on your savings or investments with flexible compounding options.
Calculate →Savings Calculator
Project your savings growth with regular monthly deposits and compound interest over time.
Calculate →Investment Calculator
Calculate investment returns with compound growth and regular contributions to reach your goals.
Calculate →401(k) Calculator
Plan your retirement savings with employer matching, catch-up contributions, and growth projections.
Calculate →ROI Calculator
Calculate return on investment percentage and compare different investment opportunities.
Calculate →Net Worth Calculator
Calculate your total net worth by adding up assets and subtracting liabilities.
Calculate →Capital Gains Calculator
Estimate taxes on investment profits, including short-term and long-term capital gains rates.
Calculate →Emergency Fund Calculator
Determine how much you need in emergency savings based on your monthly expenses and risk factors.
Calculate →Understanding Savings & Investments
The Power of Compound Interest
Compound interest is "interest on interest" — your earnings generate their own earnings. Over time, this creates exponential growth. The earlier you start saving, the more compound interest works in your favor.
Rule of 72
A quick way to estimate how long it takes to double your money: divide 72 by your annual return rate. At 6% annual return, your money doubles in about 12 years (72 ÷ 6 = 12).
Tax-Advantaged Accounts
Accounts like 401(k)s, IRAs, and HSAs offer tax benefits that can significantly boost your savings. Employer matching in 401(k)s is essentially free money — always contribute enough to get the full match.
Diversification
Spreading investments across different asset types (stocks, bonds, real estate) reduces risk. Our calculators help you project returns, but remember that actual market returns vary and past performance doesn't guarantee future results.
Frequently Asked Questions
How much should I save each month?
A common guideline is to save 20% of your income (the 50/30/20 rule: 50% needs, 30% wants, 20% savings). However, the right amount depends on your goals, timeline, and current financial situation. Use our calculators to see how different savings rates affect your goals.
What's a good rate of return to expect?
Historically, the S&P 500 has returned about 10% annually before inflation (7% after inflation). Conservative estimates use 6-7% for planning. Savings accounts and CDs offer lower, guaranteed returns (currently 4-5% APY). Always plan conservatively.
How much do I need for retirement?
A common target is to have 25 times your annual expenses saved by retirement (the 4% rule). If you spend $50,000/year, aim for $1.25 million. Our 401(k) and investment calculators can help you plan to reach this goal.
How much should I have in an emergency fund?
Most financial advisors recommend 3-6 months of living expenses in an easily accessible savings account. If you have irregular income or work in an unstable industry, aim for 6-12 months. Use our emergency fund calculator for a personalized recommendation.