Investment returns
CAGR, stock profit after costs and tax, dividend yield, dividend reinvestment and dollar-cost averaging.
Fund Switch Break-Even Calculator
How many years a lower-cost fund takes to make up the capital gains tax paid to move into it, and the gap between the two choices at a horizon you pick.
Modified Dietz Return Calculator
Your personal rate of return over a period with dated deposits and withdrawals, by the Modified Dietz method, beside the plain end-over-start figure that ignores them.
Portfolio Expense Ratio Calculator
The asset-weighted expense ratio of all your funds together, what it costs in a year, and how that compares with holding everything at one other ratio.
CAGR Calculator
The compound annual growth rate from a start and end value, or from a series of yearly returns, with the gap between the average return and what was earned.
Stock Profit Calculator
Profit or loss on a stock trade after commissions and the tax rate you enter, the return, the annualised return and the sale price that just breaks even.
Dividend Yield Calculator
Dividend yield on today’s price, yield on what you paid, the payout ratio against earnings, and the income your shares bring in each year and each payment.
Dividend Reinvestment Calculator
What reinvesting dividends grows an investment to against taking them as cash, with share price and dividend growth kept separate, and tax on dividends.
Dollar-Cost Averaging Calculator
The shares a fixed amount buys each period, your average cost against the average price, and how it compares with investing everything at the start.
Stock Average Calculator
Your average cost per share across several purchases, what the holding is worth now, and how many more shares at a new price would move the average to a target.
Black-Scholes Calculator
The Black-Scholes value of a European call and put from the share price, strike, time to expiry, risk-free rate, volatility and dividend yield, with d1, d2 and delta.
Bond Price Calculator
What a bond is worth at a market yield: the present value of its coupons and face value, split into clean price and accrued interest between coupon dates.
Yield to Maturity Calculator
The annual return a bond pays if you buy it at today’s price and hold it to maturity, with the effective annual yield and the current yield beside it.
Dividend Discount Model Calculator
The value of a share as the present value of dividends growing at a constant rate forever, the Gordon growth model, and the return implied by a market price.
Treasury Bill Calculator
The price of a US Treasury bill from its discount rate, or its discount rate and investment rate from the price, by the formulas in the Treasury’s auction rules.
Tax-Equivalent Yield Calculator
The taxable yield that would match a tax-free yield after tax at your rate, with a direct comparison against a taxable yield and the tax rate at which they break even.
Investment Fee Calculator
How much an ongoing fee and a sales load cost over time: your balance with and without them, the fees charged, and the growth those fees would have earned.
PPF Calculator
What a Public Provident Fund account grows to over 15 years or more at the current rate, with yearly or monthly deposits and the 5th-of-the-month rule.
Sukanya Samriddhi Calculator
What a Sukanya Samriddhi account for a daughter grows to at maturity after 21 years, from yearly deposits for 15 years at the current rate.
NSC Calculator
The maturity value of a National Savings Certificate after five years at the current rate, with the interest that accrues each year.
SCSS Calculator
The quarterly interest from a Senior Citizens Savings Scheme deposit at the current rate, and what it pays over five years.
Post Office MIS Calculator
The monthly income from a Post Office Monthly Income Scheme deposit at the current rate, for single and joint accounts.
Post Office RD Calculator
The maturity value of a five-year Post Office recurring deposit at the current rate, compounded quarterly as the scheme rules lay down.
Kisan Vikas Patra Calculator
When a Kisan Vikas Patra bought now doubles your money, the date it matures, and the yearly return that doubling works out to.
Step-Up SIP Calculator
What a SIP grows to when you raise the monthly amount every year, next to a SIP that stays the same, with the total invested and the gain.
FD Calculator with TDS
The maturity value of a bank fixed deposit and the tax the bank deducts at source on its interest, with the higher limit for senior citizens.
Returns are easy to overstate. An average of yearly returns is higher than what was actually earned whenever returns vary: gaining 50% and then losing 50% averages 0% but loses a quarter of the money, and the compound annual growth rate says so. A trade that looks profitable before commissions and tax can be a loss after them, so those are inputs here, with no rate supplied. Yield on the current price and yield on what you paid are both true and answer different questions. Dollar-cost averaging gives an average cost at or below the average price, a mathematical guarantee, while in a rising market a lump sum still finishes ahead; both facts are shown. None of these pages recommends an investment.