Compound growth & savings plan calculator

The most consequential calculator here.

The idea behind it

This calculator belongs to Cash Equities, where the mechanism it computes is explained step by step, with the formula, what each input means and where the simple model stops being right. Everything is computed in your browser; nothing you type is sent anywhere.

Instruments it applies to

• Common Stock — A fractional ownership stake in a company — with voting rights, dividend claims and unlimited upside.
• Preferred Stock — A hybrid between a bond and a share: fixed dividends, priority over common stock, usually no vote.
• Exchange-Traded Fund — A whole portfolio wrapped into one share that trades all day — the cheapest way to buy a market.
• ADR / GDR — A foreign share repackaged to trade on your home exchange, in your currency.
• REIT — Own a slice of office towers, warehouses or data centres through a share that pays out most of its rent.
• Mutual Fund — The original pooled investment: professional management, one price per day, bought at NAV.
• Closed-End Fund — A fund with a fixed share count — so the fund itself trades above or below what it owns, and the gap is the whole game.
• SPAC — A listed pile of cash hunting for a company to become — with a money-back guarantee for the patient and a lottery ticket for the hopeful.

More calculators from Cash Equities

• Fair-value calculator (dividend discount model) — Gordon growth, on one screen.
• Drawdown & recovery math — what a loss actually costs to undo.
• Lump sum vs. spreading it in — the arithmetic and the honest caveat.
• Valuation quick check — P/E, PEG, implied return vs. the bond.

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