Boneyard Tools

Investing

Compound interest, SIP, returns.

Finance Calculators

401(k) Calculator

Project your 401(k) balance with employer match. Enter salary, contribution, match and return to see your contributions, the match and growth over time.

Finance Calculators

Annuity Calculator

Calculate the present and future value of an annuity. Enter a payment, rate per period and number of periods for ordinary or annuity due timing.

Finance Calculators

APR to APY Calculator

Convert APR to APY or APY to APR for any compounding frequency. Enter a rate and how often it compounds to see the effective annual yield.

Finance Calculators

APY Calculator

Convert APR to APY and back. Enter a nominal annual rate and a compounding frequency to see the effective annual yield, with the inverse conversion too.

Finance Calculators

Black-Scholes Calculator

Price European call and put options with the Black-Scholes model. Get the fair value plus delta, gamma, theta, vega and rho from your own inputs.

Finance Calculators

Bond Duration Calculator

Calculate Macaulay duration, modified duration, convexity and DV01 from a bond's coupon, yield and maturity, with a full cash flow schedule.

Finance Calculators

Bond Yield Calculator

Calculate a bond's current yield and approximate yield to maturity. Enter face value, price, coupon rate and years to maturity to compare bond returns.

Finance Calculators

Bond YTM Calculator

Calculate a bond's yield to maturity from its price, face value, coupon and years left. See YTM, current yield and whether it trades at a discount or premium.

Finance Calculators

CAGR Calculator

Calculate the compound annual growth rate of an investment. Enter the beginning value, ending value and number of years to get CAGR instantly.

Finance Calculators

Cash on Cash Return Calculator

Calculate the cash on cash return on a rental property. Enter annual or monthly cash flow and total cash invested to get the pre-tax return as a percent.

Finance Calculators

CD Ladder Calculator

Build a CD ladder online. Split your cash across rungs with their own term and APY to see each maturity value, total interest and a blended APY.

Finance Calculators

College Savings Calculator

Project a 529 plan. Enter your child's age, current savings, monthly contribution and college costs to see your funding gap and monthly target.

Finance Calculators

Compound Interest Calculator

Calculate compound interest online. Enter a principal, rate, term and compounding frequency to see the final amount, total interest and year by year growth.

Finance Calculators

Dividend Payout Ratio Calculator

Calculate the dividend payout ratio and retention ratio. Enter dividends and earnings per share, or totals, to see what share of profit is paid out.

Finance Calculators

Dividend Reinvestment Calculator

Calculate how reinvested dividends compound. Enter your investment, dividend yield and time horizon to project the final value, dividends and yearly growth.

Finance Calculators

Dividend Yield Calculator

Calculate dividend yield from a share price and annual dividend, then see the annual and monthly income your holding would generate.

Finance Calculators

Dollar Cost Averaging Calculator

Calculate dollar cost averaging returns. Enter a fixed amount and the price each period to see shares bought, average cost, final value and return.

Finance Calculators

Doubling Time Calculator

Find how long it takes an investment to double at a fixed rate. See the exact compounding result next to the Rule of 72 estimate for any rate of return.

Finance Calculators

Expense Ratio Calculator

Calculate the long-term cost of a fund expense ratio. Enter your investment, the expense ratio and an optional return to see the fees you pay over time.

Finance Calculators

FD Calculator

Calculate fixed deposit maturity online. Enter your deposit amount, interest rate, tenure and compounding to see the maturity value and interest earned.

Finance Calculators

FIRE Calculator

Work out your FIRE number and years to financial independence. Enter expenses, savings, contributions and return to see lean, regular and fat FIRE targets.

Finance Calculators

Fix and Flip Calculator

Calculate fix and flip profit and ROI. Enter purchase price, rehab, after repair value, holding and selling costs to see net profit and return on investment.

Finance Calculators

Future Value Calculator

Calculate the future value of a lump sum plus monthly contributions. Enter a present value, rate, term and frequency to see growth and total interest.

Finance Calculators

Gross Rent Multiplier Calculator

Calculate the gross rent multiplier of a rental property. Enter the price and annual or monthly rent to get the GRM, plus implied price from a target GRM.

Finance Calculators

IRR Calculator

Calculate the internal rate of return of a cash flow series. Enter each period's cash flow to find the discount rate that sets net present value to zero.

Finance Calculators

Lumpsum Calculator

Calculate the future value of a one-time investment. Enter the amount, expected annual return and years to see the maturity value, invested amount and gains.

Finance Calculators

NPV / IRR Calculator

Calculate net present value and internal rate of return from a series of cash flows. Enter each year's amount and a discount rate to see NPV and IRR.

Finance Calculators

NPV Calculator

Calculate net present value from a cash flow series. Set a discount rate, enter each year's cash flow starting with the outlay, and see the value created.

Finance Calculators

Options Profit Calculator

Calculate profit, loss and breakeven for a single-leg call or put at expiration. See max profit, max loss and a full payoff table across prices.

Finance Calculators

Present Value Calculator

Calculate the present value of a future sum of money. Enter the future amount, a discount rate, term and frequency to see today's value and the discount.

Finance Calculators

RD Calculator

Calculate recurring deposit maturity online. Enter your monthly deposit, interest rate and tenure to see the maturity amount, total deposited and interest.

Finance Calculators

Rental Property ROI Calculator

Analyze a rental property. Enter price, rent and expenses to see cap rate, cash-on-cash return, monthly cash flow, NOI and total cash invested.

Finance Calculators

Rental Yield Calculator

Calculate the gross and net rental yield on a property. Enter the value, annual or monthly rent and yearly expenses to get both yields as a percent.

Finance Calculators

Retirement Calculator

Project your retirement savings from your current pot plus monthly contributions. See the corpus at retirement, total invested and growth from returns.

Finance Calculators

Retirement Drawdown Calculator

See how long your retirement savings last. Model yearly withdrawals with inflation and returns to find the depletion year and ending balance.

Finance Calculators

ROI Calculator

Calculate return on investment online. Enter the cost and final value to get your ROI percentage, net profit and an annualized return over any period.

Finance Calculators

Roth vs Traditional Calculator

Compare Roth and Traditional retirement accounts side by side. Enter your contribution, return and tax rates to see which leaves you more after tax.

Finance Calculators

Rule of 72 Calculator

Use the Rule of 72 to estimate how long an investment takes to double, or the return rate needed. See the quick estimate next to the exact value.

Finance Calculators

Safe Withdrawal Rate Calculator

Apply the 4% rule both ways. Find how much you can withdraw from a portfolio, or the nest egg needed for the income you want. Free and private.

Finance Calculators

Savings Goal Calculator

Find the monthly amount to save to hit a goal. Enter your target, time horizon, expected return and current savings to get the contribution.

Finance Calculators

Sharpe Ratio Calculator

Calculate the Sharpe ratio of a portfolio. Enter the return, risk free rate and standard deviation to measure return earned per unit of risk taken.

Finance Calculators

Simple Interest Calculator

Calculate simple interest free. Enter principal, annual rate and time in years to see the interest earned and the total amount, with no compounding.

Finance Calculators

SIP Calculator

Calculate SIP returns online. Enter your monthly investment, expected return and duration to see the future value, total invested and gains.

Finance Calculators

Stock Average Calculator

Work out the average cost of a stock across multiple buys. Add each purchase to see your cost basis, total shares, and profit or loss.

Finance Calculators

SWP Calculator

Calculate a systematic withdrawal plan. Invest a lump sum, withdraw a fixed amount monthly and see your final balance, total withdrawn and if it lasts.