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Investment and market calculators

Measure returns with XIRR, CAGR and IRR, project regular investing, value a share or a bond, size a trade to its stop-loss and price options with Black–Scholes.

  • 33 tools
  • No upload
  • Works offline once opened
  • 1 free · free previews of the rest

32 of 33 tools here need a pass: Pro unlocks 31, Premium all 32 · See passes

Go to the 33 tools

Putting numbers on an investment before and after you make it

For individual investors, traders, finance students and anyone deciding on a project or a property: the tools measure what an investment has returned, project what regular saving might grow to, put a value on a share, a bond or a stream of cash flows, and show the risk taken for a return. Most of them work in any currency.

How to choose

Choose by the question you are asking:

Projected growth uses the return you enter; none of the calculators predicts a market or recommends what to buy.

The main tools, compared

Tool When to pick it What you give it What you get Works offline Stays on your device
XIRR Calculator Pro Finds the yearly return on irregular cash flows, each with its own date, and checks it against the net present value at a rate you choose. Numbers Free preview: the XIRR, your annualised return, in full, with the first rows of the cash-flow table (up to 3) and the first step of the working; every other figure is hidden Yes Yes
Investment Calculator (Monthly Contributions, Any Currency) Pro Grows a starting sum and regular contributions at the rate you assume, in any currency, or works out the contribution a target needs. Numbers Free preview: the end balance, or what your goal needs in full, with the first rows of each table (up to 3) and a watermarked chart; every other figure is hidden Yes Yes
Position Size & Risk-Reward Calculator Pro Works out how many shares, lots or units to buy so a stop-loss loses only the amount you are prepared to risk, with the reward ratio and break-even win rate. Numbers Free preview: the position size in full, with the first rows of each table (up to 3) and the first step of the working; every other figure is hidden Yes Yes
NPV & IRR Calculator Pro Gives a project’s NPV, IRR, MIRR, payback and profitability index together, and puts two projects side by side. Numbers Free preview: the NPV at your discount rate in full, with the first rows of each table (up to 3) and a watermarked chart; every other figure is hidden Yes Yes
Intrinsic Value Calculator (DCF, DDM, Graham) Pro Values a share by discounted cash flow, the dividend discount model and Graham’s formula, then compares the market price with each estimate. Numbers Free preview: the value per share in full, with the first rows of each table and the first step of the working; every other figure is hidden Yes Yes
Bond Yield (YTM) & Price Calculator Pro Works out a bond’s yield to maturity from its price or its price from a yield, with accrued interest and duration, and handles treasury bills. Numbers Free preview: the yield or the price you solve for in full, with the first rows of the table and the first step of the working; every other figure is hidden Yes Yes
Options Payoff & Strategy Calculator Pro Charts the profit or loss of a mix of calls, puts and the underlying across a range of prices on the last day, with break-even points and the worst case. Numbers Free preview: the maximum profit at expiry in full, with the first rows of each table (up to 3) and a watermarked chart; every other figure is hidden Yes Yes
Sharpe Ratio & Portfolio Risk Calculator Pro Rates a portfolio by its return above a safe benchmark rate for each unit of volatility, with drawdown and other risk figures, from a series you paste. Spreadsheet or CSV, Numbers Free preview: the Sharpe ratio in full, with the first rows of each table (up to 3) and a watermarked chart; every other figure is hidden Yes Yes

Worked example: 10,000 to start and 500 a month for 20 years at 7 %

An investor puts 10,000 in at the start and adds 500 at the end of every month for 20 years, assuming a return of 7 % a year.

  1. A 7 % yearly return compounds at about 0.565 % a month on the money already invested.

  2. Over 240 months the contributions come to 120,000, so 130,000 is put in altogether.

  3. The balance at the end is 292,465.03.

  4. Growth is therefore 162,465.03, more than the money put in, all of it resting on the 7 % being earned every year.

Questions

When should I use XIRR instead of CAGR?

CAGR suits one sum invested once and valued later. When money goes in or comes out on several dates, as with monthly investments or partial sales, XIRR gives the yearly return on each amount for the time it was invested.

Do these calculators forecast prices or returns?

No. They work on the prices, cash flows and rates you enter. A projection shows what a rate would produce, not what a market will do.

What does the Sharpe ratio tell me?

How much return above a safe benchmark, such as treasury bills, a portfolio earned for each unit of volatility. A higher ratio means more return for the ups and downs taken, measured on the period you give it.

Which currency do the tools use?

Most work in any currency, since the formulas do not depend on one. The tools made for India, such as the SIP and margin calculators, follow Indian rules and use rupees.

Official sources

For general information only; check the official source before you file, sign or apply.

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All 33 tools

Every tool here by name, grouped by what it is for.

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Mutual funds, SIPs & ETFs

4 tools

Investment returns

4 tools

Bonds, yields & fixed income

3 tools

Rental property returns

1 tool

Check & analyze

1 tool

Calculate

20 tools

Good to know

  • All 33 tools run in your browser: what you open or paste is not uploaded.
  • All of them keep working without a connection once loaded.
  • Results are estimates for planning and learning, not financial or tax advice. Check the method and assumptions on each tool’s page.

What a pass opens here

31 Pro tools and 1 Premium tool here need a pass. 1 tool here is free in full.

  • Pro pass opens 31 of 32 ₹179 / $5.99 for 30 days
  • Premium pass opens all 32 ₹799 / $19.99 for 30 days
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