TOOLS FOR CLEARER THINKING

Less guessing.
More arithmetic.

Three calculators. Transparent assumptions. No crystal ball included.

These are simplified scenarios, not forecasts. Values are nominal; taxes and inflation are excluded. Returns and dividends are not guaranteed.

Dividend Income

Investment ($)Annual yield (%)

Annual income = investment × annual yield. Quarterly figure assumes equal payments; distributions can change.

Current savings ($)Target savings ($)Years remainingAssumed annual return (%)

Uses an effective annual return converted to a monthly rate, with contributions at month end. Constant returns are an illustration.

Starting balance ($)Years investedAnnual gross return (%)Annual fee (%)

Compares annual growth before fees against growth after an annual fee applied to the end-of-year balance. No additional contributions.