Invest Better With Less Guesswork
Investment planning tools for US investors: compound growth modeling, fee impact, inflation-adjusted returns and long-horizon projections.
Your step-by-step path
- 1
See what compounding does with your numbers
Compound growth is famously counterintuitive — most of the final balance in a 30-year projection arrives in the last decade. Seeing the curve with your actual contribution changes how the early, slow years feel.
Open the Compound Interest Calculator - 2
Capture every dollar of employer match first
A 50% match is an immediate 50% return with no market risk. No investment decision you make afterwards will beat it, which makes leaving match on the table the single most expensive common mistake.
Open the Retirement Savings Calculator - 3
Cut fees, because they compound against you
The difference between a 1.0% and a 0.05% expense ratio is roughly a third of your final balance over 30 years. It's also the only variable in the equation you can change with certainty.
Open the Investment Return Calculator - 4
Judge everything in inflation-adjusted terms
A $2 million balance in 30 years buys roughly what $825,000 buys today at 3% inflation. Planning in nominal dollars produces plans that quietly under-save.
Open the Inflation Calculator
Tools for invest better
AI Retirement Planner
Not just a number — the age you can retire, the milestones on the way, and what to contribute now.
AI Investment Advisor
Educational allocation frameworks based on your horizon and risk tolerance — plus what fees would cost you.
Compound Interest Calculator
See the balance, the split between contributions and growth, and what it actually buys.
Investment Return Calculator
Your headline return is not your return. See what survives fees, taxes and inflation.
Retirement Savings Calculator
Find your target, see the gap, and check whether you are leaving employer money behind.
FIRE Calculator
Your savings rate sets the date far more than your income does. This shows the year.
Inflation Calculator
Translate future dollars into today's purchasing power — the adjustment most plans skip.
Net Worth Calculator
One number that tells you whether the whole plan is working — plus what is actually spendable.
Go deeper
The topic hubs behind this goal, with every related tool and guide.
Investing
See what consistent contributions actually turn into over decades.
8 tools
Retirement
Find the number you need, and the date it becomes reachable.
8 tools
Financial Planning
One number that tells you whether the whole plan is working.
8 tools
Want a plan tailored to you?
Tell the AI coach about your situation and get a personalized version of this path.
Invest Better questions
How much should I invest each month?
Fifteen percent of gross income including employer match is the common benchmark for a mid-sixties retirement. Earlier independence requires substantially more. Rather than fixating on the target, set the contribution to the highest rate your budget genuinely tolerates and increase it with every raise.
What is a realistic long-term return assumption?
Six to seven percent real — that is, after inflation — for an equity-heavy portfolio, based on long-run US market history. Balanced portfolios with meaningful bond allocations should assume less. Planning conservatively and being pleasantly surprised is far preferable to the reverse, since the error only becomes visible when there's no time left to correct it.
Is it too late to start investing?
No, but the strategy changes. Starting at 45 rather than 25 means contribution rate does the work that time would otherwise have done, and catch-up contribution limits in 401(k)s and IRAs exist for exactly this. The worst outcome is concluding it's too late and doing nothing, which is the only version that's actually unrecoverable.