Investing Calculators
Free, accurate calculators to help you build wealth after paying off debt and plan your path to financial independence.
Just paid off your debt?
Start by building an emergency fund, then invest your old payment for long-term growth
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Additional Tools
Planning Your Post-Debt Financial Life
Paying off debt is a huge accomplishment—but it's just the first step toward financial security. The habits you built while paying off debt (budgeting, discipline, consistent payments) are exactly the same habits that build wealth.
Our investing calculators help you plan the next phase of your financial journey. Whether you're building an emergency fund, investing for the first time, or planning for early retirement, each tool provides accurate projections to help you make confident decisions about your money.
Key Investment Concepts
Emergency Fund First
Before investing, build 3-6 months of essential expenses in a high-yield savings account. This prevents you from selling investments at a loss during emergencies or going back into debt. It's the foundation of financial security.
The Power of Compound Growth
Compound growth means your investment earnings generate their own earnings. Over time, this snowball effect means most of your portfolio value comes from growth, not contributions. Starting early—even with small amounts—gives compound growth more time to work.
Financial Independence (FI)
Financial independence means having enough invested to cover your living expenses indefinitely. The classic "4% rule" says you need 25 times your annual spending invested. Our FI calculator shows when you could reach this milestone based on your current savings rate.
Why Use Our Investing Calculators?
100% Free
All calculators are completely free with no hidden fees or sign-ups required.
Accurate Results
Built with precision math including compound interest, inflation adjustments, and verified test cases.
Live Updates
See results update instantly as you change values to explore different scenarios.
Take control of your financial future today. Whether you're building your first emergency fund, starting to invest, or planning for financial independence, our tools provide the clarity and projections you need to make confident financial decisions.