Investment Calculators
Simple, free tools to plan your finances. Start with compound interest.
Compound Interest Calculator
Compound interest is interest that earns interest on the interest already accrued. By reinvesting what you earn, your money grows faster over time. Use the calculator to see how much you could accumulate, in euros, from an initial amount plus monthly contributions.
Open calculator →Simple Interest Calculator
Simple interest is always earned only on the initial capital: the base never changes. Use the calculator to see how much it earns, and compare side by side with the effect of compound interest.
Open calculator →Savings Calculator
Have a savings goal and want to know how much to set aside each month to reach it? Enter the target, what you have already saved, the time frame and an interest rate. The calculator shows the monthly contribution you need and how much of it comes from interest.
Open calculator →Term Deposit Calculator
A term deposit earns a fixed rate over a fixed period, but the interest is taxed. Use the simulator to see, in seconds, how much you actually receive (after the 28% withholding tax) at the end of the term.
Open calculator →Savings Certificates Calculator
Certificados de Aforro are the Portuguese State savings product: capital-guaranteed, with interest that compounds every quarter and a premium that grows the longer you hold. Use the calculator to estimate how much Série F earns (after the 28% withholding tax) over the years.
Open calculator →Inflation Calculator
Inflation steadily reduces what your money can buy. Use the calculator to see how much an amount will be worth, in purchasing power, a few years from now, and how much something you pay for today will cost in the future.
Open calculator →Investment Return Calculator
How much could your money be worth in a few years? Enter an initial amount, a monthly contribution and the annual return you expect (for example, that of an index such as the S&P 500) and see the projection in nominal terms and in real terms, with inflation already taken out.
Open calculator →IRR & NPV Calculator
Is this investment worth it? Enter the initial investment, the cash flows you expect each year and a discount rate, and the calculator shows the NPV (net present value), the IRR (internal rate of return), the payback period and the ROI. These are the four numbers that tell you whether a project creates or destroys value.
Open calculator →FIRE & Financial Independence Calculator
How much do you need invested to live off your returns, and in what year do you get there? Enter your age, what you have already invested, how much you save each month and the expenses you want to cover: the calculator estimates the portfolio you need (the "FI number") and the time to financial independence.
Open calculator →50/30/20 Household Budget Calculator
How much should you spend on essentials and leisure, and how much should you save each month? Enter your monthly net income and the calculator applies the 50/30/20 rule: 50% for needs, 30% for lifestyle and 20% for savings and debt. You can also fill in what you spend today to see how it compares.
Open calculator →Dividend & Yield Calculator
How much will you receive in dividends and what is the yield on your shares? Enter the number of shares, the annual dividend per share and the prices, and the calculator shows the gross and net income (after the 28% withholding), the monthly average, the dividend yield and the yield on cost.
Open calculator →Emergency Fund Calculator
How much should you keep in an emergency fund? Enter your essential monthly expenses and how many months of cover you want, and the calculator shows the target amount, how much you still need versus what you have saved, and how many months it takes to get there at your saving rate.
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About investment calculators
Investment calculators help you estimate how your money can grow over time, with interest, regular contributions and the effect of compounding. They are a starting point for understanding orders of magnitude, not guaranteed forecasts. Each calculator explains the formula it uses and links to the article that goes deeper.
Learn
- What is compound interest? →
- What is an ETF? →
- How to calculate investment return? →
- What are IRR and NPV? →
- What is the FIRE movement? →
- The 50/30/20 budgeting rule →
- What are dividends and yield? →
- What is an emergency fund? →
- What is a term deposit? →
- What are savings certificates? →
- Savings Certificates and IRS →
- What is inflation? →
- How to build a savings plan? →
The calculators provide educational estimates and do not constitute financial advice.