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🇺🇸 United States / Investment
Free US investment calculators for compound interest, stock returns, ROI, portfolio allocation, and more. Uses current IRS capital gains rates and limits.
10 calculators
Calculate current yield, yield to maturity, and yield to call for any US bond. Enter the purchase price, face value, coupon rate, and maturity date for an instant analysis.
Calculate dividend yield, annual income, and total return for US dividend-paying stocks and funds. Factor in dividend growth to project income over any holding period.
Model the long-term impact of investing a fixed amount on a regular schedule. See how DCA reduces average cost per share and builds wealth compared to lump-sum investing.
Compare after-expense returns of ETFs and actively managed mutual funds over time. See the compounding impact of expense ratios on your portfolio over 10, 20, and 30 years.
Calculate the true dollar cost of mutual fund and ETF expense ratios on your investment. See how a seemingly small annual fee compounds into a significant wealth reduction over decades.
Calculate ROI, CAGR, and total return on any US investment including dividends and contributions. Adjust for inflation to see real purchasing-power gains over your holding period.
Calculate potential profit, maximum loss, and break-even prices for call and put options at expiration. Model spreads and see payoff diagrams for any US options strategy.
Build a diversified US investment portfolio and analyze expected risk and return by asset class. See how stocks, bonds, and real estate interact based on historical correlations.
Calculate exactly how much to buy or sell in each asset class to restore your target allocation. See tax implications and find the most efficient rebalancing approach.
Calculate profit or loss on a US stock trade including brokerage commissions, adjusted cost basis, and capital gains tax. See net gain after federal and state taxes.
US investment returns are subject to capital gains tax, which distinguishes between short-term gains (held under 1 year, taxed as ordinary income at up to 37%) and long-term gains (held over 1 year, taxed at 0%, 15%, or 20% depending on income). This distinction makes investment holding period a key variable in after-tax return calculations.
Tax-advantaged accounts change the math substantially. 401(k) and Traditional IRA contributions are pre-tax (reducing current taxable income), while Roth IRA contributions are post-tax but grow and withdraw tax-free. These vehicles are the primary mechanism for US retirement saving and affect compound growth calculations substantially.
The S&P 500 has historically returned approximately 10% annually before inflation (7% real return after inflation). This figure is commonly used as a benchmark in long-term investment calculators, though past performance does not guarantee future results.
The US has the world's largest equity market by capitalisation. US investors benefit from tax-loss harvesting, qualified dividend treatment (0–20% rates), and a variety of account types (401k, IRA, HSA, 529) that can reduce the effective tax rate on investment returns.