Free tools

Financial calculators for European investors

Eleven tools covering the money questions that come up again and again — saving, investing, borrowing and budgeting. Every one runs in your browser in euros, with live charts, no sign-up, and nothing you type ever leaves your device.

Savings & investing

Investing

Compound Interest Calculator

See how a starting sum plus monthly investing grows over the years.

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Investing

FIRE Calculator

Your financial independence number and the years it takes to reach it.

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Saving

Savings Goal Calculator

The monthly amount needed to hit any savings goal on schedule.

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Saving

Term Deposit Calculator

Interest earned on a fixed-term deposit, simple or compounded.

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Investing

S&P 500 Calculator

Project an S&P 500 investment using long-run average returns.

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Investing

S&P 500 Historical Returns

What an investment between any two years since 1990 actually became.

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Investing

If You Had Invested… (120+ assets)

Historical return calculators for stocks, indexes and cryptos — Apple, Tesla, the S&P 500, Nasdaq 100, gold, Bitcoin and many more.

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Loans & mortgages

Loans

Mortgage Payment Calculator

Monthly payment and total interest for a mortgage in euros.

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Loans

Personal Loan Calculator

Monthly payment and true total cost of a personal loan.

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Loans

Early Loan Repayment Calculator

How much interest and time an extra monthly payment saves.

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Everyday money

Budgeting

Budget Planner

Map income against expenses and see your savings rate and 50/30/20 split.

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Inflation

Euro Inflation Calculator

What inflation does to your purchasing power over time.

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Not sure where to start?

If you are new to all of this, the order that works for most people: check your monthly picture in the budget planner, size an emergency fund with the savings goal calculator, then see what long-term investing could do in the compound interest calculator. Borrowers should start with the mortgage or personal loan calculator, then check what early repayment saves. And when the numbers convince you to invest, the beginner's guide and broker comparison turn the plan into an account. For individual stocks and indexes, our historical return calculators cover 125+ assets with full price histories.