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Investing Calculators

Five free calculators for the questions long-term investors actually ask — compounding, averaging, retiring, and what a dividend really pays. Every formula is stated and sourced, and everything runs in your browser.

DRIP Calculator

Projects what reinvesting dividends does to a position year by year — dividend growth, price growth, fee drag, and a with/without-reinvestment chart. It also has a yield-targeted mode for covered-call funds like JEPI, and an implied-total-return line that flags impossible assumptions before you trust the projection.

Stock Average Calculator

Enter every lot you bought — shares and price each time — to get your true weighted average cost and your live profit or loss at today's price. Then work it backwards: exactly how many more shares it would take to pull your average down to a target.

DCA Calculator

Projects a weekly or monthly investing plan for stocks or crypto — contributions in, expected final value out. It also shows the number most DCA calculators hide: what the same money would have done invested all at once on day one.

FIRE Calculator

Finds your financial-independence number, the age you could reach it, and your savings rate from a year-by-year projection of your actual portfolio, in today's dollars. Lean, Coast and Fat FIRE variants are computed alongside, so you see the whole range rather than one magic number.

Dividend Yield Calculator

Three modes in one: a stock's yield from price and payout, the income a given investment would produce, and your personal yield on cost. The write-up covers the part that matters most — why a sky-high yield is often a warning of a coming cut, not free money.

Which tool do I need?

Want to know what reinvesting dividends does over 10 or 20 years? That's the DRIP Calculator. It runs your position forward with dividends reinvested and shows the same position without reinvestment next to it, so the compounding gap is visible instead of implied. It's also the right tool for covered-call and high-distribution funds — the yield-targeted mode keeps the payout tied to the fund's value, which is how those funds actually behave.

Averaging into a position — or into a falling one? The Stock Average Calculator gives you your real weighted average across every buy, and answers the question people usually have next: how many shares at today's price would move that average to a specific target.

Comparing steady monthly buying against investing a windfall at once? The DCA Calculator models the recurring plan and puts the day-one lump sum beside it. If you're deciding what to do with money you already have, that comparison is the whole question.

Asking "when could I stop working?" The FIRE Calculator turns your spending, saving and portfolio into a FIRE number and a projected year you'd reach it — with Lean, Coast and Fat variants so you can see how much the target moves when the assumptions do.

Just need to know what a dividend actually pays? The Dividend Yield Calculator works the yield equation all three ways round — yield from price, income from an investment, and yield on your original cost.

A note on how these model the future: none of them will let an inconsistent assumption hide. The DRIP tool reports the total return your inputs imply so you can check it against reality; the yield-targeted fund mode refuses to compound a high yield and high dividend growth at the same time, because real funds can't either. A projection is only worth what its assumptions are — these tools show you the assumptions.