Investments
Investment calculators for bond yield, dividend reinvestment, portfolio Sharpe ratio, and REIT metrics.
Covers dollar-cost averaging and tax-loss harvesting.
Portfolio-level tools: contributions, withdrawals, bond yields, REIT metrics and rebalancing. 16 calculators. The company-analysis and options side sits under Investing, which is the valuation half of the same subject.
Dollar-cost averaging comes with an honest result rather than a comfortable one. Against investing a lump sum immediately, DCA loses more often than it wins, because markets rise most of the time and staying in cash costs you those months. What it buys is a smaller worst case and a much easier time holding on through a drop. That is a real benefit and it is a behavioural one, not a mathematical one, and the page says so.
Safe withdrawal rate is where the famous 4% rule lives, and the conditions attached to it get dropped constantly. It came from US data, a 30 year horizon, and a roughly 50/50 stock and bond split. Stretch the horizon to 45 years and the safe rate falls closer to 3.3%. On a $1 million portfolio that is $7,000 a year less, which is not a rounding difference.
401(k) employer match is the first page to run, since an unmatched contribution is the only guaranteed 100% return available to most people.
NAV Calculator (Net Asset Value)
Calculate Net Asset Value per share from total assets, liabilities, and shares outstanding. Used for mutual fund pricing, ETFs, REITs, and BDCs.
PVGO Calculator (Present Value of Growth Opportunities)
Calculate Present Value of Growth Opportunities from stock price, EPS, and required return. Splits stock value between no-growth and growth components.
401(k) Employer Match Optimizer Calculator
Maximize your 401(k) employer match. Enter salary, contribution percentage, and match formula to see free-money capture rate and optimal contribution level.
I-Bond Real Yield Calculator
Calculate Series I Savings Bond real return after inflation and taxes. Compare I-Bond yield to TIPS, Treasuries, and HYSA for inflation-protected income.
Investment Risk Tolerance Score Calculator
Score your investment risk tolerance from five questions. Get a risk score, a stocks, bonds and cash allocation, and a time-horizon check on the answer.
REIT Dividend Yield Calculator
Calculate REIT dividend yield, FFO multiple, and total return. Compare equity REITs against your target yield with quarterly distribution analysis.
Tax-Loss Harvesting Savings Calculator
Calculate tax savings from tax-loss harvesting your investments. Get federal and state savings, ordinary-income offset, and carryforward by tax bracket.
FFO Calculator (Funds From Operations)
Calculate REIT Funds From Operations from net income, depreciation, and gains/losses on sales. The standard REIT cash-earnings metric defined by NAREIT.
Bond Yield to Maturity (YTM) Calculator
Calculate bond yield to maturity from price, face value, coupon rate, and time to maturity. Find the true annualized return of any bond investment.
Dividend Reinvestment (DRIP) Calculator
See how reinvesting dividends accelerates wealth growth. Compare portfolio value with DRIP against without, and see the total dividends received.
Dollar Cost Averaging (DCA) Calculator
Calculate your average cost basis investing the same amount regularly. See how DCA reduces risk over time with total invested versus current portfolio value.
Portfolio Sharpe Ratio Calculator
Calculate the Sharpe ratio of your portfolio to measure risk-adjusted return. Compare how much return you are earning per unit of risk taken.
Retirement Withdrawal Rate Calculator
Calculate how long your retirement portfolio will last using the 4% rule or a custom withdrawal rate. See yearly portfolio balance over time.
Crypto Portfolio Rebalancing Calculator
Calculate buy and sell amounts to rebalance a crypto portfolio back to target allocations. Enter current holdings and target weights to get a rebalancing plan.
Common Stock Book Value Calculator
Calculate book value per share of common stock and the price-to-book (P/B) ratio to evaluate whether a stock is potentially undervalued or overvalued.
AFFO Calculator (Adjusted Funds From Operations)
Calculate AFFO from FFO by adjusting for recurring capex and straight-line rent. The cleanest cash earnings metric for REIT analysis and dividend coverage.