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Free financial calculators and simulators for DIY investors. No registration, no data collection, no hidden costs. All tools run entirely in your browser: your financial data never leaves your device.
Why use portfolios.tools?
187 free tools: rebalancing, compound interest, mortgage calculators, WACC, and more
100% client-side: calculations run in your browser, no data sent to any server
10 languages: English, Spanish, Portuguese, French, German, Italian, Dutch, Swedish, Japanese
Ex-Dividend Calendar
Track upcoming ex-dividend dates, countdown to payouts, and estimate dividend income.
Bond Yield to Maturity
Calculate YTM, current yield, and coupon yield from bond inputs.
Stock Chart
Real-time stock prices with interactive candlestick charts and SMA overlays.
Capital Gains Holding Period
Estimate tax savings from holding beyond one year: compare short-term vs long-term rates.
Compound Interest Comparator
Compare multiple investment scenarios side by side: monthly vs annual, tax-deferred vs taxable.
Margin Interest Calculator
Compute daily/monthly/annual margin interest cost for any brokerage rate.
Option Breakeven Calculator
Compute breakeven prices for calls and puts at expiration.
Lump Sum vs Periodic
Compare upfront lump sum against dollar-cost averaging over time.
Dividend Tax Comparator
Compare qualified vs ordinary dividend tax treatment across tax brackets.
ETF Overlap Detector
Compare ETF holdings to detect hidden portfolio concentration risks.
Portfolio Rebalancer Calculator
Calculate optimal buy orders for new cash contributions with our free portfolio rebalancing calculator to hit your target allocation: no selling required.
Portfolio Temperature
Heat-map of sector, country & currency concentration risk in your portfolio.
Yield on Cost Tracker
Calculate your real dividend yield based on original purchase price: see how dividend growth compounds your YOC.
Max Drawdown Calc
Compute max drawdown, recovery time, and Ulcer Index from portfolio values.
Sharpe & Sortino Ratio
Compute Sharpe and Sortino ratios to measure risk-adjusted returns.
DCA Price Averager
Compute real average cost per share from periodic buys: compare DCA vs lump sum.
Free Cash Flow Yield
Screen stocks by free cash flow yield: compare cash generation to market cap for value opportunities.
Income Statement Ratio Analyzer
Compute gross, operating, and net margins plus interest coverage from income statement line items.
Altman Z-Score
Predict bankruptcy risk using the 5-ratio Altman Z-Score model.
Earnings Surprise Tracker
Track EPS beats and misses quarter by quarter. Compute surprise percentages, streak counts, and average surprise.
Balance Sheet Checker
Score financial health with current ratio, D/E, equity ratio, and debt ratio.
Sector Benchmark Comparator
Compare your portfolio sector weights against the S&P 500: see over/underweight positions.
Black-Scholes Option Pricer
Price European call and put options using the Black-Scholes model. Computes Greeks and verifies put-call parity.
Portfolio Beta Calculator
Calculate your portfolio's weighted beta, classification, leverage equivalent, and sensitivity to market moves.
Risk Parity Allocator
Allocate capital by risk contribution: balance volatility and correlation across assets.
2-Asset Efficient Frontier
Plot the efficient frontier, min variance portfolio, and tangency portfolio for any two assets: adjust return, volatility, and correlation.
Real Return (Inflation-Adjusted)
Adjust nominal returns for inflation with the Fisher equation: see real purchasing power.
Graham Number
Benjamin Graham fair value: √(22.5×EPS×BVPS) vs current price with margin of safety.
Total Return
Price change + dividends + splits with CAGR breakdown and annualized return.
Time Weighted Return
Geometric linking of sub-period returns vs simple return with cumulative table.
Margin of Safety
Compute intrinsic value safety buffer with Kaufmann risk bands and position sizing.
Money Weighted Return
Compute IRR or XIRR from irregular cash flows with dates: measure your personal rate of return accounting for deposit...
Rule of 72 / 114 / 144
Doubling, tripling, and quadrupling time for any interest rate.
CAGR Finder
Compound annual growth rate between two values over any period.
CAGR Reverser
Years needed to reach a target at a given CAGR with projection table.
Hourly Wage Converter
Convert purchase prices into hours of work and opportunity cost.
Latte Factor Calculator
Long term cost of recurring expenses vs investing instead.
Invoice Generator
Create and download professional invoices with automatic calculations.
Net Worth Milestone Tracker
Timeline and velocity to reach any net worth goal.
HYSA Compounder
After tax savings interest with monthly, yearly, and 5 year projections.
Debt Snowball vs Avalanche
Compare payoff strategies: smallest balance first vs highest rate first.
Stock Split Adjuster
Adjust share count and cost basis after forward or reverse splits.
Position Sizing
Risk based share count from entry, stop loss, and portfolio risk percent.
Risk to Reward Ratio
Evaluate trades with RRR, Kelly criterion, and break even win rate.
Stock Average Down
Calculate New Breakeven Cost Basis When Buying Additional Shares.
Trailing Stop Loss
Generate Progressive Stop Loss Levels to Lock in Profits.
GRM Calculator
Quickly Value Rental Properties Using the Gross Rent Multiplier.
Cap Rate Evaluator
Analyze Net Operating Income Versus Acquisition Cost.
Cash On Cash Return
Measure Cash Flow Return Relative to Your Down Payment Investment.
Mortgage Refinance Break Even
Months until lower payments recover refinancing closing costs.
Mortgage Overpayment Calculator
Interest saved by adding extra principal payments each month.
WACC Calculator
Weighted average cost of capital across debt and equity funding.
DuPont ROE Analyzer
Decompose ROE into margin, turnover, and leverage components.
Unix Market Timezone
Convert Unix timestamps to global exchange session times.
Base64 Payload Tool
Encode, decode, and pretty print Base64 in the browser.
Cron Market Scheduler
Generate cron expressions aligned to market hours.
JWT Debugger
Decode JWT header and payload safely client side.
Target Allocation Drilldown
Roll ETF weights into regional and sector exposure.
PEG Ratio Calculator
Compare P/E to earnings growth for relative valuation.
Enterprise Value Calculator
Compute EV, EV/EBITDA, and debt/cash weights.
Ddm
Value Stable Dividend Stocks Using the Gordon Growth Model.
Tiered Emergency Fund
Runway at essential, reduced, and full spending levels.
Emergency Fund Burn Rate
Compare runway across essential, frugal, and normal tiers.
ETF Expense Ratio Simulator
Compare low vs high MER compounding drag over decades.
DRIP Momentum Calculator
Find when dividends buy full shares and project DRIP compounding.
Volatility Drag Visualizer
Required recovery after drops and geometric vs arithmetic returns.
Inflation Erosion Calculator
See purchasing power decay of cash over time with year by year table.
Subscription Fatigue Audit
Aggregate recurring fees and 10 year investment opportunity cost.
Lifestyle Inflation Tracker
Track how much of each raise you save vs spend over your career.
Sinking Fund Planner
Smooth monthly savings targets for irregular annual expenses.
Lease vs Buy Calculator
10 year car lease vs buy cost with invested difference opportunity cost.
Broker Fee Break Even Matrix
Flat fee vs percentage broker costs and break even deposit size.
FX Spread Cost Calculator
Reveal hidden currency conversion fees in broker FX spreads.
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.
Covered Call Yield Calculator
Annualized premium return from selling covered calls.
Margin Call Calculator
Find the exact stock price where a broker triggers a margin call on a leveraged long position.
Impermanent Loss
Model AMM liquidity pool risk when token prices diverge from your entry ratio.
Staking Real Yield
Subtract token inflation from nominal staking APY to find true purchasing power returns.
Short Squeeze Breakeven
Calculate short borrow fees over time and the break even cover price.
DCF Valuation
Calculate intrinsic stock value from projected free cash flows and terminal value.
NPV Allocator
Determine project viability by discounting multi year variable cash flows.
Amortization Ledger
Generate a full principal vs interest breakdown for any fixed rate loan.
LTV CAC Ratio
Evaluate SaaS subscription model efficiency with lifetime value and acquisition cost.
MRR Runrate
Track growth velocity and churn to forecast annual recurring revenue baselines.
Saas Churn Damage
Model the compounding destruction of revenue churn over 24 months.
Bootstrapped Breakeven
Find the exact user count needed to cover cloud infrastructure costs.
Freelance Rate Calculator
Factor unpaid admin hours, vacation, expenses, and taxes into your target rate.
CAC Audit
Break marketing spend, tool costs, and wages into true customer acquisition cost.
Rule Of40
Measure growth rate plus profit margin to evaluate SaaS investment attractiveness.
Burn Rate Runway
Show startup life expectancy under varying monthly expense scenarios.
Lost Decade Backtester
Simulate portfolio behavior during flat market periods with bundled historical data.
Sequence of Returns Risk
Compare bad start vs good start retirement return sequences.
Historical Drawdown
Simulate peak to trough drops of major indexes.
Permanent Portfolio
Test Harry Browne 25/25/25/25 allocation with historical data.
Sector Rotation
Track sector outperformance across economic cycles.
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.
Retirement Tax Optimizer
Simulate progressive tax on retirement withdrawals.
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.
Options Greeks
Visualize Delta, Gamma, Theta, Vega for calls and puts.
Cashflow Sankey
Map income to expenses with a proportional flow diagram.
Equity Dilution
Model VC round impact on founder ownership stakes.
ESO Value
Calculate ESO value across exit price scenarios.
Double Taxation Treaty
Look up withholding tax treaty rates between countries.
Expat Exit Tax
Simulate tax impact of changing tax residency.
JSON To Openapi
Generate OpenAPI 3.
SQL To Typescript
Convert CREATE TABLE DDL into TypeScript interfaces.
CSV To Financial JSON
Normalize broker CSV exports into JSON arrays.
API Mock Generator
Generate mock fintech API rows from JSON schemas.
YAML JSON Portfolio
Parse portfolio YAML configs into validated JSON.
Regex Transaction Parser
Build regex patterns to categorize bank transactions.
Asset Correlation Matrix
Visualize how ETFs and asset classes move together.
UCITS Tax Drag
Compare US vs Ireland ETF tax drag over 30 years.
REIT Vs ETF Tax
Compare after tax real estate vs ETF returns.
Rent Vs Buy
Compare homeownership vs renting over decades.
Brrrr Analyzer
Analyze Buy Rehab Rent Refinance Repeat deals.
REIT Vs Physical
Compare liquid REITs to hands on property investing.
Property Maintenance Depreciation
Estimate Capex reserves by age and square footage.
Leverage Risk Tester
Test equity under property value drop scenarios.
DCA Vs Lump Sum
Compare lump sum vs dollar cost averaging historically.
Cash Drag Estimator
Quantify opportunity cost of holding cash vs invested.
Multi Currency Portfolio
Convert holdings to base currency with FX exposure.
Core Satellite Allocator
Model core/satellite weights with concentration checks.
Crypto Equity Allocator
Inverse volatility sizing between crypto and equities.
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.
EOQ Calculator
Economic Order Quantity minimizing annual ordering and carrying costs for inventory.
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.
Treynor Ratio
Excess return per unit of systematic risk measured by portfolio beta.
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.
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
Free FCFF to FCFE bridge calculator converts firm cash flow to equity cash flow via net debt and interest tax shield. Enter FCFF, interest, tax rate, and net borrowing for instant DCF bridging.
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
Free Gordon Growth terminal value calculator values all cash flows beyond explicit forecast as a growing perpetuity. Enter last FCF, perpetual growth, and WACC to see DCF terminal value and implied exit multiple instantly.
Hamada Beta Unlever Relever Calculator
Free Hamada beta calculator unlevers observed equity beta to asset beta and relevers at target D/E ratio. Enter levered beta, D/E, tax rate, and target D/E for project cost of equity inputs instantly.
CAPM Expected Return Calculator
Free CAPM calculator estimates expected return as risk-free rate plus beta times market risk premium. Enter RF rate, beta, and market return to get cost of equity for WACC or DCF instantly.
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.
Cash Conversion Cycle Calculator
Free cash conversion cycle calculator measures working capital efficiency as DSO plus DIO minus DPO in days. Enter the three turnover ratios to see operating cycle and CCC score instantly.
Degree of Operating Leverage (DOL) Calculator
Free DOL calculator measures EBIT sensitivity to sales volume given fixed and variable cost structure. Enter sales, variable cost ratio, and fixed costs to see degree of operating leverage and breakeven instantly.
Degree of Financial Leverage (DFL) Calculator
Free DFL calculator measures EPS sensitivity to EBIT changes given debt load and interest expense. Enter EBIT, interest, tax rate, and shares to see degree of financial leverage and interest coverage instantly.
Combined Leverage (DCL) Calculator
Free DCL calculator multiplies DOL by DFL for total EPS sensitivity to sales changes. Enter DOL, DFL, and sales change percent to forecast EBIT and EPS changes from revenue shifts instantly.
CVP Target Profit Calculator
Free CVP target profit calculator computes units and sales revenue needed to hit operating profit targets after covering fixed costs and variable cost per unit.
Required Return Goal
Solve rate needed to reach a savings goal with contributions.
Fisher Equation
Solve real, nominal, or inflation using exact Fisher math.
Price Elasticity
Compute demand elasticity and revenue impact from price changes.
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
CAPM abnormal return versus expected return given beta.
Calmar Ratio Calculator
CAGR divided by maximum drawdown for hedge fund style metrics.
Omega Ratio Calculator
Gains versus losses relative to a threshold return.
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
Corporate bond YTM minus treasury yield in bps.
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.
Probability of Ruin Calculator
Monte Carlo retirement ruin probability and SWR.
Kelly Criterion Position Sizer
Optimal bet size from win probability and payoff odds.
Grocery Unit Price Comparator
Compare package prices across compatible units.
Home Affordability Calculator
Free home affordability calculator applying the 28/36 rule. Determine your maximum home price, loan amount, and monthly payment based on income and debt.
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.
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portfolios.tools is a hub of free financial calculators and simulators built for DIY investors. Whether you are rebalancing a portfolio, comparing compound interest scenarios, tracking dividend yields, or analyzing stock fundamentals: every tool runs directly in your browser. No registration required, no data sent to any server, and zero hidden costs.
Our 187 tools span categories like Portfolio Management, Investing, Stock Fundamentals, Tax Planning, and Personal Finance. Each calculator includes a step-by-step explanation of the math, formula displays, and frequently asked questions so you understand not just the result but the reasoning behind it.
We built portfolios.tools to democratize access to financial math. Institutional investors use expensive software for the same calculations our tools perform for free. Our mission is to give individual investors professional-grade analysis capabilities without the price tag.
Every tool on this site follows the same principles: pure client-side computation, zero data collection, and complete transparency. You do not need to create an account, accept cookies, or provide an email address. Open any calculator, enter your numbers, and get instant results. Your financial data is never transmitted over the internet, stored on a server, or accessible to anyone but you. This privacy-first approach means you can run sensitive calculations like debt payoff planning, net worth projections, and tax optimization without worrying about data leaks or targeted advertising.
Our tools cover six categories: Investing, Portfolio Management, Analysis, Fundamentals, Tax and Dividend, and Personal Finance. The Investing category includes compound interest comparators, CAGR calculators, dollar-cost averaging tools, and return calculators that help you evaluate investment performance. Portfolio Management tools help you rebalance allocations, detect ETF overlap, and compute portfolio beta. Analysis tools cover bond yields, options pricing, and risk metrics like Sharpe and Sortino ratios. Fundamentals tools let you analyze balance sheets, income statements, and compute Graham numbers. Tax and Dividend tools handle dividend tax comparisons, capital gains holding periods, and ex-dividend calendars. Personal Finance tools include the Latte Factor Calculator, Hourly Wage Converter, Debt Snowball vs Avalanche, and Net Worth Milestone Tracker.
All calculators are available in 10 languages: English, Spanish, Portuguese, Brazilian Portuguese, French, German, Italian, Dutch, Swedish, and Japanese. Each tool page includes a detailed explanation of the formula, a step-by-step guide on how to use it, and frequently asked questions. This content is fully translated, ensuring that non-English speakers can understand the math behind each calculation. We believe financial literacy should be accessible to everyone, regardless of language or technical background. Whether you are a beginner learning about compound interest or an experienced trader calculating Black-Scholes option prices, our tools provide the precision and clarity you need.
Tool Categories
Investing
Compound interest, CAGR, dollar-cost averaging, total return, real return, and lump sum vs periodic comparisons for evaluating investment performance over any time horizon.
Portfolio
Rebalancing, ETF overlap detection, sector benchmarking, portfolio beta, risk parity allocation, and efficient frontier construction for building and maintaining optimal portfolios.
Analysis
Bond yield to maturity, option breakeven, Black-Scholes pricing, margin interest, Sharpe and Sortino ratios, and maximum drawdown calculations for deep investment analysis.
Fundamentals
Income statement ratios, balance sheet health, free cash flow yield, Altman Z-Score, earnings surprises, Graham number, and margin of safety for stock-by-stock fundamental analysis.
Tax & Dividend
Dividend tax comparison, capital gains holding periods, ex-dividend calendar, and yield on cost tracking for tax-efficient dividend investing and harvest planning.
Personal Finance
Rule of 72, hourly wage converter, latte factor, debt snowball vs avalanche, net worth milestones, HYSA compounder, and invoice generator for everyday financial decisions.
Frequently Asked Questions
Are these financial calculators really free?
Yes, every tool on portfolios.tools is completely free with no limits. There is no premium tier, no trial period, and no hidden upsell. We do not require registration, email signup, or payment information. All 187 tools run entirely in your browser and are available 24/7 without any cost. The site is supported by advertising, never by selling your data.
Is my financial data safe?
Absolutely. All calculations happen client-side in your browser using JavaScript. Your numbers are never sent to any server, stored in a database, or transmitted over the internet. When you close the tab, your inputs are gone unless you explicitly want them saved in localStorage for convenience. This means you can safely calculate sensitive financial scenarios like debt payoff, salary conversion, or net worth projections without any privacy risk.
Do these tools work offline?
Once a page is loaded, the calculator continues to work even without an internet connection because all math runs in your browser. However, loading a page initially requires a connection to fetch the HTML and JavaScript. Tools that fetch live market data like the Stock Chart require a connection for the data feed, but all calculation-only tools work fully offline after the initial page load.
Can I use these tools for professional financial advising?
These tools are designed for educational and informational purposes. They use standard, well-established financial formulas and are accurate for the math they perform. However, they do not constitute financial advice. Financial professionals should verify calculations independently and consider additional factors like client-specific tax situations, regulatory requirements, and fiduciary obligations before making recommendations based on any calculator output.