Savings & Investment
Plan your financial future with compound interest, savings goal, investment return, and retirement calculators.
Use these savings and investment calculators to plan goals, project compound growth, and compare long-term outcomes after contributions, fees, and inflation.
Small changes in time, return, fees, or monthly savings can create large differences over decades, so these tools are built to make those tradeoffs visible quickly.
Start With These Calculators
All Savings & Investment Calculators
Compound Interest Calculator
See how your money grows over time with compound interest and regular contributions.
Savings Goal Calculator
Calculate how much you need to save each month to reach your financial goal.
Investment Return Calculator
Calculate your investment returns accounting for fees and inflation.
Retirement Calculator
Plan your retirement by projecting savings growth based on your contributions and timeline.
Emergency Fund Calculator
Calculate your recommended emergency fund size based on monthly expenses.
Savings & Investment Guides
Read practical explanations and examples connected to these calculators.
How to Build an Emergency Fund: Calculator & Guide
Calculate exactly how much emergency fund you need based on your expenses and situation, then create a realistic plan to build it month by month.
Investment Management Fees by Portfolio Size: What You Should Pay in 2025
Investment management fees vary dramatically by portfolio size, advisor type, and service level. A 1% AUM fee on a $500,000 portfolio costs $5,000 per year, while a robo-advisor charges roughly $1,250 for the same portfolio.
How Much Should I Save Each Month? (By Age & Income)
The 50/30/20 rule says save 20% of after-tax income. On $60,000/year, that's $1,000/month. Here's how to get there by age and what to prioritize first.
Active Investment Management Fees: How They Eat Your Returns
For portfolios over $500,000, a seemingly small fee gap can destroy six or seven figures of long-term wealth. The all-in cost is usually the advisory fee plus the fund expense ratio, not just one line item.
How to Calculate Investment Returns After Fees
Calculate your true investment returns after accounting for management fees, expense ratios, and inflation. See the real impact of fees on long-term wealth building.
How to Calculate Your Savings Goal
Learn the formula for calculating monthly savings needed to reach any financial goal, from a home down payment to a dream vacation, with interest factored in.
Common Questions
What return should I enter for long-term investing?
Use a conservative expected annual return that fits the asset mix you are modeling. For planning, many people test several scenarios instead of relying on one optimistic rate.
Should I include inflation in savings projections?
Yes for long-term goals. Inflation reduces purchasing power, so a nominal future balance may buy less than the same number suggests today.
Why do fees matter in an investment return calculation?
Fees compound in the opposite direction of returns. Even a small annual fee can reduce the ending balance meaningfully over a long timeline.