Savings and investing calculators
See how deposits, returns, fees, and inflation shape progress toward a financial goal.
Ready for your annual money review?
Run 8 calculators in about 30 minutes — covers paycheck, budget, debt, retirement, and more.
Calculators
Compound Interest
Project how recurring deposits and compounding can change future value.
Inputs
- Principal
- Frequency
- Contribution
Dollar Cost Averaging Calculator
Project portfolio growth from regular investments and compare lump sum vs. DCA scenarios.
Inputs
- Contribution
- Frequency
- Return
- Years
I Bond & T-Bill Yield Calculator
Calculate T-bill investment yield and I Bond composite rates with projected value and early redemption penalties.
Inputs
- Instrument
- Purchase price
- Fixed rate
- Inflation rate
Savings Goal
Solve for the monthly contribution needed to reach a target amount.
Inputs
- Target
- Time
- Rate
Emergency Fund
Estimate your emergency fund target and how long it may take to reach it with monthly savings.
Inputs
- Expenses
- Months
- Savings
- Contribution
Investment Fee
Estimate how annual investment fees may reduce long-term portfolio growth.
Inputs
- Balance
- Contributions
- Return
- Fee
CD
Estimate certificate of deposit interest, maturity value, and an early-withdrawal penalty scenario.
Inputs
- Deposit
- APY
- Term
- Penalty
High-Yield Savings (HYSA)
Project HYSA growth and compare the dollar difference versus a standard savings account rate.
Inputs
- Starting balance
- Monthly contribution
- APY
- Time horizon
ROI
Calculate total return and annualized return on investment.
Inputs
- Initial
- Final
- Time
Rule of 72
Estimate how long it takes money to double at a given annual return using the rule of 72 and exact compounding math.
Inputs
- Annual return
Capital Gains Tax
Estimate federal and state capital gains tax on an asset sale from cost basis, sale price, and tax rates.
Inputs
- Cost basis
- Sale price
- Federal rate
- State rate
Inflation
Adjust dollar amounts for inflation using official U.S. CPI-U annual averages from the Bureau of Labor Statistics.
Inputs
- Amount
- Start Year
- End Year
Guides
Current Interest Rates: Mortgage, Savings, CD, and Treasury — Updated Weekly
Today's benchmark rates for 30-year and 15-year mortgages, high-yield savings, CDs, T-bills, and the federal funds rate — with links to the calculators that use them.
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Compound Growth Basics
Learn how compounding, contributions, and time work together to grow savings and investments.
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What Is Dollar Cost Averaging?
Learn how dollar cost averaging works, when it beats lump-sum investing, and how regular contributions reduce timing risk over long horizons.
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I Bonds and T-Bills Explained
Understand T-bill discount yields, I Bond composite rates, purchase limits, tax treatment, and when Treasury savings beat CDs.
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How Investment Fees Affect Long-Term Returns
Understand expense ratios, advisory fees, platform costs, and the compound effect of fees over time.
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What Is a High-Yield Savings Account (HYSA)?
How high-yield savings accounts work, how APY compounds, FDIC insurance limits, when to use one, and what to look for when comparing rates.
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CD vs. High-Yield Savings Account
Compare CDs and high-yield savings accounts by rate, liquidity, penalties, insurance, and reinvestment risk.
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CD Laddering: How to Maximize Returns Without Locking Up Your Money
Learn how a CD ladder works, how to build one, and how it balances higher rates with regular access to your money.
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How Capital Gains Tax Works
Understand short-term vs. long-term capital gains tax rates, the holding period rule, how to calculate your gain, and strategies to reduce what you owe.
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How to Build an Emergency Fund
Learn how much to save in an emergency fund, where to keep it, and how to reach your target without derailing other financial goals.
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How Inflation Affects Your Savings
Learn how inflation erodes purchasing power, why nominal savings rates can mislead you, and how to protect long-term savings from rising prices.
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ROI vs. Annualized Return: How to Actually Compare Investments
Learn the difference between ROI and annualized return (CAGR), when to use each metric, and how to accurately compare investments held over different time periods.
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How to Calculate Your Net Worth
Learn how to add up assets and liabilities, interpret your net worth number, and track progress toward stronger financial health over time.
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529 Plans and College Savings Explained
Learn how 529 college savings plans work, qualified expenses, state tax benefits, financial aid impact, and how much to save for school.
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