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Saving and investing tools

Interest, investing and retirement, worked out plainly. 20 free tools, with no sign-up. Nothing you enter leaves your device.

Savings and interest 3

Compound interestWork out how a start amount and regular deposits grow with compound interest, after fees and in today's money, with a chart and a year-by-year table. #T757
Savings goalFind how much to save each month to reach a target by a date, or how long it takes at the amount you can save, with interest and an emergency-fund option. #T766
FD calculatorWork out the maturity amount of a fixed deposit, GIC, CD or recurring deposit with monthly, quarterly, half-yearly, yearly or simple interest, plus a deposit ladder. #T769

Investing 8

SIP calculatorWork out what a monthly SIP could grow to at an expected return, with an optional yearly step-up and lumpsum, shown with a chart and year-by-year table. #T758
FHSAPlan your First Home Savings Account: yearly contributions within the $8,000 and $40,000 limits, carry-forward, tax refunds, growth, and how it compares with the RRSP Home Buyers' Plan. #T771
RESP and CESGPlan a child's RESP: yearly contributions, the 20% Canada Education Savings Grant with catch-up, the additional CESG by family income, the Canada Learning Bond, and growth to age 17 or 18. #T772
PPF calculatorWork out what your PPF account will be worth after 15 years, or after 5-year extensions, at the current 7.1% rate, with a year-by-year table of deposits and interest. #T774
Return calculatorWork out your yearly return (CAGR) from a start and end value, or from dated deposits and withdrawals (XIRR), and compare it with the simple average. #T787
Rebalance portfolioEnter your holdings and target percentages, add new cash if you like, and see how much to buy or sell in each to reach your targets, with a buy-only option. #T788
Dividend calculatorWork out dividend yield, yield on cost and yearly income from your shares, and project income and value over the years with dividend growth and reinvestment (DRIP). #T789
Capital gainsType your buys and sells and see the gain or loss on each sale and each year, using average cost (Canada's ACB) or first in first out, with an editable taxable share. #T790

Retirement 9

FIRE calculatorWork out your FIRE number from your spending and withdrawal rate, how many years until you get there, and how your saving rate changes it. #T767
Retirement plannerEnter your ages, savings, monthly saving, returns, inflation and retirement spending to see how long your money lasts and any shortfall or surplus. #T768
RRSP or TFSACompare the same savings in an RRSP and a TFSA after tax, using your tax rate now and in retirement, and work out your 2026 TFSA and RRSP contribution room. #T770
CPP start ageSee your CPP from age 60 to 70 and your OAS from 65 to 70, the break-even age for waiting, lifetime totals and the 2026 OAS clawback on your income. #T773
EPF calculatorEstimate your EPF (provident fund) balance at retirement from your Basic + DA: your 12%, the employer's share after the 8.33% pension (EPS) cut, yearly pay rises and the 8.25% rate. #T775
NPS calculatorEstimate your National Pension System corpus from a monthly contribution, then see the tax-free lump sum, the annuity share (20% minimum for All Citizen NPS from December 2025) and the monthly pension it buys. #T776
Roth or traditionalCompare a Roth and a traditional 401(k) or IRA: your contributions, tax rate now and in retirement, years and return give the after-tax value of each, with the 2026 limits. #T820
Social Security ageType the benefit from your Social Security statement and your birth year to see your full retirement age, your monthly benefit at every age from 62 to 70, and the break-even ages. #T821
Pension tax reliefSee the tax relief on your UK pension contributions for 2026/27: relief at source vs net pay vs salary sacrifice, the higher-rate relief to claim back, Scotland's bands, the annual allowance, taper and carry-forward. #T822