How much do I need for retirement?

A common shortcut is the "4% rule": if you need $50,000 per year, you would need about $1.25 million saved.

What's the power of compound interest?

Compound interest means your returns start earning their own returns. A $10,000 investment growing at 8% annually becomes more than $215,000 in 40 years.

How does inflation affect my savings?

Inflation reduces purchasing power. At 3% annual inflation, money loses about 26% of its purchasing power over 10 years.

What return should I assume for investments?

Historical stock market returns average about 10% annually before inflation (7% after inflation), though individual years vary a lot.

Investment Calculators

Free tools to project investment growth, plan for retirement, and understand the real impact of inflation on your savings.

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Compound Interest

Calculate how your money grows over time with compound interest.

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Investment Return

Project your investment growth with regular contributions.

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Retirement Savings

Plan how much you need to save for a comfortable retirement.

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Savings Goal

Find out how long it takes to reach your savings target.

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Inflation

Calculate how inflation affects purchasing power over time.

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Net Worth

Track your total assets minus liabilities in one place.

Investment math without the fog

Investment planning gets easier once the math is visible. How much does a monthly contribution change the ending balance? What happens if returns are lower than expected? How much does inflation quietly eat away? These calculators let you test those questions without building a spreadsheet first.

Use them for rough planning, not prophecy. You can model retirement, compare return assumptions, estimate a savings goal, or check your net worth in one place. The results are meant to make the next decision clearer, not pretend markets move in a neat straight line.

Actual investing includes volatility, taxes, fees, changing income, and the occasional bad year that does not ask for permission. Treat the projections as planning estimates, then talk with a qualified financial professional before making big decisions.

Common questions

How much do I need for retirement?: A common shortcut is the "4% rule": if you need $50,000 per year, you would need about $1.25 million saved. It is only a rule of thumb. Healthcare costs, market returns, taxes, and how long you live can all change the answer.
What's the power of compound interest?: Compound interest means your returns start earning their own returns. A $10,000 investment growing at 8% annually becomes more than $215,000 in 40 years. The math is a little annoying, but the lesson is simple: time does a lot of the work.
How does inflation affect my savings?: Inflation reduces purchasing power. At 3% annual inflation, money loses about 26% of its purchasing power over 10 years. That is why a balance can go up on paper while still feeling smaller in real life.
What return should I assume for investments?: Historical U.S. stock market returns are often quoted around 10% before inflation, but any single year can look nothing like the average. Conservative planning usually uses lower assumptions so the plan does not depend on everything going perfectly.