Free Stock Investing Calculators & Valuation Tools

A free collection of stock investing and valuation calculators. Each one runs entirely in your browser, shows the formula it used, and gives you a year-by-year table rather than a single unexplained number.

No. There is no signup, no login, no email wall and no paywall. Open a calculator and use it.

If you are projecting growth of savings or an index fund, use the compound interest calculator. If you are valuing an individual company, use the discounted cash flow calculator. The card for each tool states the exact question it answers.

Yes. The share button copies a link that encodes every input, so opening it reproduces your exact scenario. Nothing is stored on our side — the values live in the link itself.

Yes. The CSV button downloads the full year-by-year schedule, so you can carry on in Excel, Numbers or Google Sheets.

Yes. The layout collapses to a single column and the tables scroll horizontally rather than squeezing the figures into unreadable columns.

Yes. Every control is a real form element with a label, the FAQ tabs respond to arrow keys, Home and End, and focus is always visible.

No. These calculators do not fetch market data. You enter the figures yourself, which means you always know exactly which inputs produced the result.

A = P(1 + r/n)^(nt) for the base case, but the calculator runs a month-by-month simulation rather than a single closed-form expression, because fees, tax, contribution increases and withdrawals interact year by year and a closed form silently drops them.

Because a simple start-to-end percentage counts your own contributions as if they were growth. The money-weighted return (an internal rate of return over the actual monthly cash flows) is what you genuinely earned on the money while it was invested.

Nominal is the raw balance. Real is that balance divided by cumulative inflation, so it is expressed in what money buys today. Over 25 years at 2.5% inflation the two differ by roughly 46%, which is why both are shown together.

Slightly, and much less than people expect. Going from annual to daily compounding at 8% raises the effective annual rate from 8.00% to about 8.33%. The comparison table on the compound calculator shows the exact difference for your own inputs.

At the end of each month, which is the ordinary annuity convention. It is the conservative choice: a deposit does not earn a month of return before it was actually made.

You project a company's free cash flow for an explicit forecast period, add a terminal value for everything after that, then discount all of it back to today at a rate reflecting the risk. The result is an estimate of what the business is worth to an owner today.

The same engine runs both, so they never disagree about the same scenario. The front page shows the gross projection from four inputs. The full compound interest calculator adds inflation, fees, tax, contribution escalation and a withdrawal phase, plus the year-by-year table. Your numbers carry across when you follow the link.

Almost always a convention difference: end-of-period versus start-of-period contributions, the treatment of the compounding frequency, or whether fees are deducted before or after growth. Each calculator states its conventions so you can line them up.

No. These are arithmetic tools. They take assumptions you supply and show what follows from them. They do not know your circumstances and cannot tell you what to buy or sell.

No calculator can tell you that. The return field is your assumption, not a forecast. Real returns arrive unevenly, and the order in which good and bad years fall matters enormously once you are withdrawing.

Not yet. Every calculator currently applies a constant rate. That is the right model for understanding the mechanics, but it understates the risk of a drawdown plan, where a bad first decade is far worse than the same bad decade later.

It is a deliberate simplification: a single annual rate applied to that year's gain net of fees, with no tax charged in a losing year. It does not model brackets, allowances, loss carry-forward, wash sales, or the difference between realized and unrealised gains. For anything that turns on those, speak to an accountant.

The simulation runs in monthly steps, so 26 biweekly contributions are spread evenly across the twelve months as an equivalent monthly amount. The annual total is exact; only the within-year timing is approximated, and the effect on a multi-decade result is negligible.

No. Years are treated as twelve equal months. For projections measured in decades this is far below the noise floor created by your return assumption.

Brokers usually project gross of fees, gross of tax and in nominal terms. Once you enter a realistic expense ratio, a tax rate and an inflation rate here, the figures diverge — which is rather the point.

No. Every calculation runs in your browser using JavaScript. No input is transmitted, logged or stored. You can confirm this by opening your browser's network panel while you use the tool.

No cookies, no advertising trackers and no persistent visitor identifiers. The only third-party script on the site is the Cloudflare Turnstile anti-spam check, and it loads only if you open the contact form.

It is free and there is no account to create. The site is cheap to run because it is static files and browser-side maths, and the contact form is the only server-side component.

It is emailed to the site owner and not stored in any database. The reply address is used only to reply. Please do not send account numbers, passwords or other sensitive identifiers.