portfolios.tools: Financial Tool Hub
Free calculators for investing, budgets, loans, business, and property. Compare scenarios and understand the assumptions behind each result.
Free to use. No account required.
A place to start
Plan a goal, compare your options, or understand your portfolio.
Portfolio Rebalancing Calculator
Estimate whole share purchases that allocate new cash toward portfolio target weights.
Compound Interest Scenario Comparator
Compare up to four constant rate savings scenarios with monthly deposits, compounding frequency, and a simplified tax on positive monthly interest.
Savings Goal Planner
Estimate the months and monthly deposit needed to reach a savings target using a constant effective annual rate.
Debt Snowball and Avalanche Calculator
Compare monthly debt payoff schedules using the smallest balance first or the highest annual rate first, with modeled interest and a month by month balance table.
Rent versus Buy Calculator
Compare modeled net worth for renting and buying using a shared home price, rent, mortgage, upkeep, growth, and investment assumptions.
Monte Carlo FIRE
Run statistical scenarios for safe withdrawal success probability.
Tool Categories
The complete toolkit
203 toolsInvesting
Stock Chart
Real-time stock prices with interactive candlestick charts and SMA overlays.
Compound Interest Scenario Comparator
Compare up to four constant rate savings scenarios with monthly deposits, compounding frequency, and a simplified tax on positive monthly interest.
Margin Interest Calculator
Estimate simple margin interest from a borrowed USD balance, a user entered annual rate, a selected day count basis, and a holding period.
Lump Sum vs Periodic Investing Calculator
Compare one amount invested now with equal monthly, quarterly, or yearly deposits under the same effective annual return assumption.
Sharpe and Sortino Ratio Calculator
Calculate Sharpe and Sortino ratios from annualized inputs or periodic returns, with stated frequency and risk free rate conventions.
Dollar Cost Average Calculator
Calculate weighted average cost per share from entered purchases. Compare the resulting share count with a lump sum counterfactual using the first input row's price.
Real Return and Inflation Calculator
Compare annual nominal return with inflation using the exact Fisher relation, then project future value and starting year purchasing power.
Total Return Calculator
Calculate price return, cash dividend contribution, and total return after dated stock splits over a holding period.
Time Weighted Return Calculator
Calculate linked time weighted returns from period values and end cash flows, then compare them with a simple cash flow adjusted return.
Money Weighted Return Calculator
Calculate annualized return from dated deposits, withdrawals, and a final portfolio value using a 365 day XIRR basis.
CAGR Finder: Compound Annual Growth Rate Calculator
Calculate the compound annual growth rate, cumulative multiplier, and total return between two values over a stated period.
CAGR Reverser
Estimate the fractional years for a starting value to reach a target under a constant positive annual growth rate.
Stock Split Adjuster
Recalculate share quantity and cost per share after a forward or reverse stock split, with a check of total recorded cost.
Position Sizing Calculator
Estimate whole shares for a planned long position using a chosen portfolio risk budget and a price based capital limit.
Risk Reward Ratio Calculator
Compare a long setup’s target and stop, then calculate its reward to risk ratio, break even win rate, and binary Kelly percentage.
Stock Average Down Calculator
Calculate a stock position's weighted average price after adding shares, and compare it with the original average.
Trailing Stop Calculator
Calculate a long position trailing stop level and compare preset trigger prices from a high you provide.
Unix Timestamp Market Time Converter
Convert Unix seconds to UTC, device time, and four exchange time zones with normal session window estimates.
Market Cron Schedule Generator
Create weekday cron schedules for NYSE, LSE, SSE, and TSE session times, with timezone labeled and five upcoming runs previewed.
ETF Expense Ratio Simulator
Compare low vs high MER compounding drag over decades.
Inflation Purchasing Power Calculator
Estimate how a constant annual inflation assumption changes the purchasing power of a fixed amount over time.
Subscription Spending and Investment Scenario
Add monthly subscription costs and compare ten years of spending with ten hypothetical annual deposits at an assumed return.
Salary and Spending Change Tracker
Compare changes in annual salary and spending, review unspent raise shares, and model a clearly defined one time investment comparison.
Irregular Expense Savings Planner
Estimate a monthly amount to set aside for annual, semiannual, and quarterly bills, with a month by month savings schedule.
Lease vs Buy Calculator
10 year car lease vs buy cost with invested difference opportunity cost.
Broker Fee Comparison Calculator
Compare flat transaction fees with a percentage fee on the same deposit and transaction count over five years.
FX Spread Cost Calculator
Compare a broker exchange rate with a mid benchmark for a chosen currency pair. Estimate the signed quote currency difference per transaction and for repeated annual transactions.
Lost Decade Backtester
Simulate portfolio behavior during flat market periods with bundled historical data.
Dollar Cost Averaging vs Lump Sum Calculator
Compare a lump sum with equal monthly purchases across five fixed synthetic return paths. Review overlapping window results, strict wins, and ties without mistaking the scenarios for market history.
Cash Drag Estimator
Compare ending values for an initial cash allocation and a fully invested scenario using annual return assumptions. See the dollar gap and annualized relative wealth gap.
Kelly Criterion Position Sizer
Optimal bet size from win probability and payoff odds.
Tracking Error Calculator
Free tracking error and information ratio calculator. Measure active risk by comparing portfolio returns against a benchmark index over time.
Rolling Returns Visualizer
Free rolling returns calculator. Compute 3 year, 5 year, and 10 year rolling performance windows from any annual return series.
RSI Calculator
Calculate Wilder RSI from a closing price series, identify overbought and oversold zones, and inspect recent momentum readings privately in your browser.
ATR Calculator
Calculate Wilder Average True Range, normalize volatility against price, and estimate a risk based position size from high, low, and close data.
Portfolio
ETF Overlap Calculator
Compare ETF ticker lists, find shared names, and measure pairwise containment without treating it as a full portfolio analysis.
Portfolio Rebalancing Calculator
Estimate whole share purchases that allocate new cash toward portfolio target weights.
Portfolio Concentration and Heat Map Calculator
Group entered portfolio percentages by sector, country, and currency. Review classified coverage, concentration arithmetic, and a sector and country heat map without automatic weight adjustments.
Sector Benchmark Comparator
Compare your portfolio sector weights against the S&P 500: see over/underweight positions.
Risk Parity Allocator
Calculate equal risk contribution weights from annualized volatility and pairwise correlation, with portfolio volatility and diversification results.
Two Asset Efficient Frontier Calculator
Compare two asset return and risk assumptions, view the long only efficient frontier, and calculate minimum variance and maximum Sharpe mixes.
Target Allocation Drilldown
Explore hypothetical regional and sector or bond category weights from static ETF sample profiles. The profiles are not current fund holdings.
Permanent Portfolio
Test Harry Browne 25/25/25/25 allocation with historical data.
Sector Rotation
Track sector outperformance across economic cycles.
Asset Correlation Matrix
Compare shared monthly ETF price movements using a common date window.
Portfolio Value by Currency Calculator
Convert entered holdings to a selected total currency using manual exchange rate quotes. Review the total and value shares grouped by denomination currency.
Core Satellite Allocation
Convert core and relative satellite weights into portfolio percentages. The 5% alert is illustrative, not a recommended limit.
Crypto and Equity Inverse Volatility Calculator
Compare crypto and equity target weights from annual volatility assumptions. See the inverse volatility method and its limits.
Treynor Ratio Calculator
Calculate excess portfolio return per beta unit from returns and a risk free rate measured over the same period.
SPY Correlation Matrix
Compare manually entered correlations and beta values against SPY, rank securities, and measure a portfolio weighted diversification score without uploading portfolio data.
Retirement
Sequence of Returns Risk
Compare bad start vs good start retirement return sequences.
Monte Carlo FIRE
Run statistical scenarios for safe withdrawal success probability.
Lean vs Fat FIRE
Compare minimalist vs luxury retirement targets.
Coast FIRE
Find the age where compounding alone reaches your target.
Barista FIRE
Estimate how part time income shortens retirement timeline.
Dynamic SWR
Simulate Guyton Klinger and VPW variable spending rules.
Time to FIRE
Convert savings rate into months until financial independence.
GeoArbitrage Planner
Compare retirement runway across countries.
Die with Zero
Draw down principal to zero at life expectancy.
Passive Income Bridge
Bridge early retirement to pension or Social Security age.
Probability of Ruin Calculator
Monte Carlo retirement ruin probability and SWR.
Analysis
Bond Yield to Maturity Calculator
Solve nominal annual yield to maturity, current yield, and duration measures from a bond’s price, coupon, face value, and maturity.
Option Breakeven Calculator
Calculate expiration breakeven and payoff limits for long calls, long puts, covered calls, and cash secured puts using a 100 share contract multiplier.
Maximum Drawdown Calculator
Measure the largest percentage drawdown, its value decline, trough to recovery observations, and Ulcer Index in an ordered value series.
Black Scholes Option Pricer
Estimate European call and put values with the Black Scholes model and review five option sensitivities.
Portfolio Beta Calculator
Calculate a weighted portfolio beta and view linear scenarios for benchmark changes using comparable holding beta estimates.
Volatility Drag and Loss Recovery
Compare arithmetic and compound annual returns for an alternating pair, or calculate the gain and assumed whole years needed after a loss.
Covered Call Yield Calculator
Model per share premium yield, two expiration scenarios, and break even for a covered call from your stock price, strike, premium, and days to expiration.
Margin Call Calculator
Estimate a long stock position's price threshold from your own initial and maintenance margin assumptions.
Impermanent Loss Calculator
Compare a weighted liquidity position with holding the same two assets as their prices change. See the modeled pool value and relative underperformance before fees.
Staking Supply Growth Calculator
Compare a staking APY with assumed token supply growth and project token units after one, three, and five years.
Short Squeeze Breakeven
Calculate short borrow fees over time and the break even cover price.
Historical Drawdown
Simulate peak to trough drops of major indexes.
Options Greeks Calculator
Estimate European call and put delta, gamma, theta, vega, and rho, then compare how the sensitivities change across spot prices and time.
Modified IRR (MIRR) Calculator
Free MIRR calculator applies explicit reinvestment and finance rates to cash flows. Enter initial investment, period cash flows, and rates to solve modified IRR vs classic IRR instantly.
NPV Crossover Rate Calculator
Free NPV crossover rate calculator finds the discount rate where two projects have equal NPV. Enter cash flows for Project A and B to determine which project dominates at your actual WACC.
Hamada Beta Calculator
Remove the modeled financing effect from an observed equity beta, then estimate beta at a target debt to equity ratio.
CAPM Expected Return Calculator
Estimate a model cost of equity from a risk free rate, beta, and expected market return. See each CAPM component and test signed assumptions.
Fisher Equation
Solve real, nominal, or inflation using exact Fisher math.
Taylor Rule
Estimate central bank policy rate from inflation and output gap.
PPP Exchange Rate
PPP implied FX rate versus spot for valuation signals.
Jensen Alpha Calculator
Compare a portfolio return with its CAPM comparison return using four inputs measured over the same period.
Calmar Ratio Calculator
Compare annualized return with maximum drawdown using the Calmar ratio. Enter both percentages from the same measurement window.
Omega Ratio Calculator
Calculate an empirical Omega ratio from periodic returns and a chosen threshold. See gains and losses above and below that threshold.
Fama French Expected Return
Three factor expected return from factor loadings.
Minimum Variance Hedge Ratio
Optimal futures contracts to hedge spot exposure.
Bond Convexity Calculator
Duration, convexity, and price change from yield shock.
Portfolio Immunization Calculator
Match portfolio duration to liability duration.
Municipal Tax Equivalent Yield
Taxable yield equivalent of tax exempt munis.
Credit Spread Calculator
Solve a bond’s nominal yield to maturity and compare it with a matched benchmark yield in percentage points and basis points.
Fundamentals
Free Cash Flow Yield Screen
Compare manually entered levered free cash flow ratios across companies using the same currency, scale, and reporting period.
Income Statement Analyzer
Calculate an income statement waterfall, profit margins, and interest coverage from five manually entered figures.
Altman Z Score Calculator
Calculate a model specific Altman score from company accounting figures and compare it with published reference bands.
Earnings Surprise Tracker
Track EPS beats and misses quarter by quarter. Compute surprise percentages, streak counts, and average surprise.
Balance Sheet Ratio Checker
Compare four balance sheet ratios and check whether assets, liabilities, and book equity reconcile. The point score is illustrative, not a company rating.
Graham Number Calculator
Calculate the Graham Number from earnings and book value per share, then compare its estimate with a current share price.
Margin of Safety Calculator
Compare current price with an intrinsic value estimate to calculate the discount, price ratio, and implied upside.
Weighted Average Cost of Capital Calculator
Estimate WACC from market value weights, equity and debt costs, and an assumed corporate tax rate. Review the contribution of each financing source.
ROE DuPont Analysis Calculator
Break return on equity into profit margin, asset turnover, and equity multiplier using your company figures, then check it against direct ROE.
P/E and PEG Ratio Calculator
Calculate P/E and PEG from share price, earnings per share, and an entered growth rate. See how the percentage point convention affects the result.
Enterprise Value Calculator
Estimate enterprise value from market capitalization, debt, and cash. Use matching USD amounts and review the limits of this simplified five input model.
Equity DCF Valuation Calculator
Estimate equity value from projected FCFE using an explicit growth period and a constant growth terminal value.
NPV Allocator
Determine project viability by discounting multi year variable cash flows.
ROIC Calculator
Free ROIC calculator computes NOPAT over invested capital and compares spread versus WACC. Enter EBIT, tax rate, debt, equity, and cash to see economic profit creation instantly.
Economic Value Added (EVA) Calculator
Free EVA calculator computes economic profit as NOPAT minus WACC times invested capital. Enter EBIT, tax rate, invested capital, and WACC to see dollar residual income instantly.
FCFF to FCFE Bridge Calculator
Convert same period FCFF into FCFE using interest expense, a tax rate, and net borrowing. The calculator reports cash flow amounts in USD, not company value.
Two Stage Dividend Discount Model Calculator
Free two-stage DDM calculator values stocks with a high growth phase followed by stable Gordon terminal value. Enter dividend, growth rates, years, and required return for intrinsic price instantly.
Gordon Growth Terminal Value Calculator
Estimate firm terminal value at the end of an explicit forecast from annual free cash flow to the firm, perpetual growth, and WACC. See the implied cash flow multiple and rate spread.
Real Estate
Gross Rent Multiplier Calculator
Calculate a property's gross rent multiplier from price and annual rent. Add a reference GRM to compare an illustrative value.
Rental Property Cap Rate Calculator
Calculate annual net operating income from rent, vacancy, and operating expenses, then divide by purchase price to see the cap rate.
Cash on Cash Return Calculator
Estimate annual pretax rental cash flow as a percentage of entered down payment and closing costs, with vacancy and mortgage payments included.
Mortgage Refinance Break Even Calculator
Compare equal balance mortgage payments, estimate simple recovery of upfront costs, and review modeled interest over the shared remaining term.
Mortgage Overpayment Calculator
Compare scheduled payments with a fixed monthly extra principal payment to estimate modeled mortgage interest and payoff time.
Amortization Ledger
Generate a full principal vs interest breakdown for any fixed rate loan.
Real Estate vs ETF Tax Scenarios
Compare simplified rental property and ETF return scenarios using your own annual yield, cost, and tax assumptions.
Rent versus Buy Calculator
Compare modeled net worth for renting and buying using a shared home price, rent, mortgage, upkeep, growth, and investment assumptions.
BRRRR Deal Scenario Calculator
Model purchase cash, renovation costs, rent, and refinance proceeds for a simplified BRRRR property scenario.
REIT vs Rental Property Calculator
Compare a reinvested REIT return with a rental property estimate, including invested amounts, equity and cumulative cash flow.
Property Maintenance Reserve Calculator
Estimate a long term annual reserve and a yearly replacement schedule from property age, area, and illustrative assumptions.
Property Equity Price Drop Calculator
Compare property equity after price declines using fixed debt assumptions. View the zero equity boundary without lender predictions or borrowing advice.
Home Affordability Calculator
Estimate a planning home price from income, debts, down payment, mortgage rate, property tax, insurance, and modeled mortgage insurance.
Closing Costs Estimator
Free closing costs estimator for home buyers. Get a detailed breakdown of buyer closing costs by state including origination fees, title insurance, escrow, and prepaid items.
Business
LTV to CAC Ratio Calculator
Estimate simplified gross profit lifetime value, customer acquisition cost, their ratio, and payback in months from recurring customer and acquisition inputs.
MRR Run Rate Projector
Project monthly recurring revenue at 12, 24, and 36 months using constant growth and revenue churn assumptions.
SaaS Churn Impact Calculator
Model 24 months of MRR growth followed by revenue churn. Compare gross and net MRR, monthly gaps, and the cumulative month end gap.
Bootstrapped Monthly Cost Coverage Calculator
Estimate the continuous user equivalent and time needed for monthly gross contribution to cover fixed costs.
Freelance Rate Calculator
Estimate freelance gross billings and an hourly rate from an income target, expenses, a chosen reserve, and billable capacity.
Customer Acquisition Cost Audit
Calculate blended customer acquisition cost, optional gross profit payback, and separate channel comparisons from period matched inputs.
Rule of 40 Score Calculator
Add annual revenue growth and EBITDA margin, or derive the margin from revenue and EBITDA for the same fiscal year. Review the score and its numeric range.
Burn Rate and Runway Calculator
Compare cash runway under direct net burn or gross outflows minus cash inflows. See four burn scenarios and a cash trajectory capped at 60 months.
Equity Dilution Simulator
Model how priced funding rounds change founder ownership, share counts, post money valuation, and cumulative dilution.
Employee Stock Option Value Calculator
Estimate theoretical option value per share with a Black Scholes model and compare a separate fixed growth scenario.
Multi-Product Breakeven
Breakeven revenue and units with weighted contribution margin across multiple SKUs.
Make-or-Buy Analyzer
Compare in-house manufacturing cost against outsourcing quote with capacity and relevant costs.
Special Order Pricing
Accept or reject one-time orders by comparing relevant cost per unit to the offer price.
Economic Order Quantity Calculator
Calculate the continuous EOQ batch size, implied orders per year, and relevant annual ordering and holding costs from annual demand and unit cost inputs.
LBO Returns Calculator
MOIC and equity IRR from entry/exit multiples, debt paydown, and hold period.
Merger Accretion/Dilution
Pro forma combined EPS versus standalone with accretion/dilution percentage.
Trading Comps Valuation
Implied equity value range from peer EV/EBITDA, P/E, and P/S multiples.
SOTP Valuation
Sum-of-the-parts equity bridge valuing business segments at distinct multiples.
Liquidation Preference Waterfall
Series A/B/C preference stack with participation caps and founder/investor proceeds.
Precedent Transaction Comps
Apply deal multiples from historical M&A transactions to a target company.
Beneish M-Score
Eight-ratio earnings manipulation detection model with above or below -2.22 flagging.
Springate Score
Four-ratio Z-style bankruptcy prediction model for private firm distress probability.
Covenant Headroom
Leverage and coverage ratios measured against lender covenant limits with breach cushion.
Fixed Charge Coverage
EBIT plus fixed charges divided by fixed charges plus interest for lender analysis.
Cash Conversion Cycle Calculator
Calculate operating cycle and cash conversion cycle from average receivable, inventory, and payable days.
Degree of Operating Leverage Calculator
Estimate EBIT sensitivity to sales under a constant variable cost ratio, and view contribution margin, DOL, and break even sales.
Degree of Financial Leverage Calculator
Calculate degree of financial leverage, earnings per share, and interest coverage from EBIT, interest, tax rate, and shares using the standard fixed interest model.
Combined Leverage Calculator
Model how a percentage change in sales relates to EBIT and EPS changes through operating and financial leverage.
CVP Target Profit Calculator
Calculate continuous sales volume and revenue for a pretax operating profit target under stated price and cost assumptions.
Price Elasticity of Demand Calculator
Compare midpoint price elasticity and revenue across two observations, with clear assumptions and limits.
Break Even Units Calculator
Estimate the first whole unit quantity that covers fixed costs, plus revenue at that quantity, current operating profit, margin of safety, and units for a target profit.
Net Promoter Score Calculator
Calculate NPS from grouped survey counts. See response shares, an approximate confidence interval, and whether current detractors can reach the next range.
Gross Margin by Product
Compare product gross profit, margin percentages, and revenue weighted margin from selling price, unit cost of goods sold, and units sold.
Personal Finance
Rule of 72, 114, and 144 Calculator
Compare shortcut estimates with formula times for doubling, tripling, and quadrupling at a constant positive annual rate.
Hourly Wage and Work Hours Calculator
Convert an item price into work hours and see a hypothetical future value under fixed assumptions.
Latte Factor Calculator
Model the future value of recurring daily, weekly, or monthly amounts as deposits made at the beginning of each period.
Invoice Generator
Create and download professional invoices with automatic calculations.
Net Worth Milestone Calculator
Estimate the months to a net worth target using monthly savings and a constant nominal return assumption.
HYSA Compound Interest Calculator
Estimate after tax interest for a high yield savings account from effective APY and a periodic tax assumption, then review a fixed five year balance scenario.
Debt Snowball and Avalanche Calculator
Compare monthly debt payoff schedules using the smallest balance first or the highest annual rate first, with modeled interest and a month by month balance table.
Emergency Fund Budget Scenarios
Compare how available cash covers essential, reduced and full monthly budgets, then calculate gaps to clearly labeled illustrative targets.
Emergency Fund Runway by Spending Scenario
Enter three independent monthly budgets to compare cash coverage and see total essential spending targets for selected horizons.
Cash Flow Budget Summary
Compare income and expenses for one budget period, see the net amount and balanced flow table.
Required Return Goal
Solve rate needed to reach a savings goal with contributions.
Grocery Unit Price Comparator
Compare package prices across compatible units.
Salary to Hourly Rate Calculator
Convert your annual salary into an hourly rate. See your baseline pay, your total compensation hourly rate with benefits and bonuses, and your true effective hourly rate once commute time, overtime, and after-hours work are factored in.
Freelance Day Rate Calculator
Free freelance day rate calculator. Find your minimum and recommended day rate based on your target income, business expenses, tax rate, and realistic billable days per year.
Subscription ROI Calculator
Compare subscription cost with estimated time or monthly value. Review annualized ROI, break even amounts, and a single investment comparison.
Savings Goal Planner
Estimate the months and monthly deposit needed to reach a savings target using a constant effective annual rate.
Travel Cost Per Day Calculator
Free travel budget calculator. Break down flights, hotels, food, transport, and activities into a true cost-per-day figure, then compare multiple destinations side by side to find the best value trip.
Dev Tools
Base64 Text Encoder and Decoder
Encode Unicode text as standard Base64 or decode Base64 bytes to valid UTF 8 text. Review the selected mode and raw output.
JWT Decoder and Claims Inspector
Decode a compact three part JSON Web Token to inspect its header and claims, then compare time claims with the current clock. Decoding does not verify a signature or establish trust.
JSON to OpenAPI Response Schema Generator
Infer a response schema from JSON samples and generate one OpenAPI 3.0.3 YAML endpoint.
SQL to TypeScript interface converter
Convert supported PostgreSQL CREATE TABLE definitions into TypeScript row interfaces with explicit nullability and exact numeric types.
CSV to Financial JSON Converter
Convert pasted CSV tables into JSON records while preserving quoted text and values that are not safely numeric.
API Mock Data Generator
Generate type preserving JSON mock rows from an object template or matching object examples.
YAML to JSON Converter
Convert supported YAML block data into formatted JSON and inspect value types.
Regex Transaction Parser
Test JavaScript regular expressions against transaction descriptions, inspect capture groups, and review the match rate.
Tax & Dividend
Ex-Dividend Calendar
Track upcoming ex-dividend dates, countdown to payouts, and estimate dividend income.
Capital Gains Holding Period
Estimate tax savings from holding beyond one year: compare short-term vs long-term rates.
Dividend Tax Comparator
Compare qualified vs ordinary dividend tax treatment across tax brackets.
Yield on Cost Calculator
Compare dividend yield on your purchase cost with yield at a current share price, then model dividend growth under a constant rate.
Dividend Discount Model Calculator
Estimate a share value with the Gordon growth formula using an annual dividend, constant growth assumption, required return on equity, and current price.
Whole Share Dividend Reinvestment
Model fixed dividends per payment, whole share purchases and retained cash over three years, with an estimate of the first purchase time.
Tax Harvest Planner
Maximize tax free capital gains harvesting with lot recommendations.
Wash Sale Alert Generator
Detect 30 day wash sale violations and adjusted cost basis.
Accumulating vs Distributing ETF
Compare tax efficiency of accumulating vs distributing ETFs over 20 years.
Wealth Tax Drag Simulator
Long term portfolio damage from annual wealth taxes.
Retirement Tax Optimizer
Simulate progressive tax on retirement withdrawals.
Double Taxation Treaty
Look up withholding tax treaty rates between countries.
Exit Cost and Tax Difference Calculator
Compare an assumed upfront exit cost with annual tax differences from user entered rates. See the modeled recovery time and limits.
UCITS Tax Drag Calculator
Compare manual fund and investor withholding assumptions for US and Irish fund scenarios.
Modigliani Miller Tax Shield Value Calculator
Free Modigliani Miller tax shield calculator values the debt tax shield under MM with corporate taxes. Enter unlevered value, debt, and tax rate to see levered firm value and value increase from leverage instantly.
IRMAA Surcharge Calculator
Medicare Part B and D premiums from MAGI tiers.
Social Security Tax Torpedo
Taxable Social Security and marginal rate on benefits.
QSBS Exclusion Calculator
Section 1202 capital gain exclusion estimate.
83(b) Election Savings Calculator
Tax at grant versus vest for restricted stock.
Direct Indexing Tax Alpha
Estimated tax loss harvesting alpha versus ETF.
Crypto Tax Lot Identifier
Free crypto tax lot calculator for FIFO, LIFO, and HIFO cost basis assignment. Track capital gains and losses on every crypto disposal with detailed lot matching.
2026 US Paycheck Withholding Calculator
Estimate federal income tax withholding for constant regular wages using the 2026 IRS standard percentage schedule. Separate base withholding from extra amounts entered per paycheck.
2026 US Federal Tax Bracket Calculator
Estimate 2026 US federal ordinary income tax after one selected deduction. Compare the last occupied bracket, effective rates, and distance to the next bracket.
Why use portfolios.tools?
203 free tools: rebalancing, compound interest, mortgage calculators, WACC, and more
Calculations run in your browser. Market data tools can request prices.
11 locale versions, including Portuguese, Brazilian Portuguese, Japanese, and Korean.
portfolios.tools brings financial calculators together in one place. Enter assumptions to compare a budget, investment, loan, or business scenario. The tools are free to use and do not require an account.
Browse 203 tools by category or search for a task. Tool pages explain formulas, examples, assumptions, and limitations. Check that the method and units match the question you want to explore.
Start with a simple scenario, then vary one input to see its effect. The output is a calculation under those assumptions. It does not establish what a market will do or whether a choice suits your circumstances.
Calculations usually run in your browser. Some tools request market data through our server, and some save entered settings in browser storage. Analytics, advertising, and consent details are described in our Privacy Policy.
The catalog includes investing, portfolio, tax, retirement, property, business, and developer tools. Their data sources and assumptions vary. Read the page for the tool you use.
Choose from 11 locale versions using the language selector, including Portuguese, Brazilian Portuguese, Japanese, and Korean. Currency labels and number formatting may vary by tool and locale. A language choice does not automatically convert money or apply a country’s tax rules.
Frequently Asked Questions
Are these financial calculators really free?
All tools are free to use, and no account is required. There is no paid plan or trial needed to use the calculators.
Is my financial data safe?
Calculations usually run in your browser. Some tools save settings in browser storage, and tools with market data may request prices through our server. The Privacy Policy explains analytics, advertising, and consent.
Do these tools work offline?
Some calculations may continue after a page and its scripts have loaded, but offline use is not guaranteed. Site navigation and market data requests require an internet connection.
Can I use these tools for professional financial advising?
Use the outputs to explore scenarios, not as personal financial advice. Before professional use, verify the method, units, assumptions, and current rules that apply to the situation. Accuracy is not guaranteed.