Educational calculators

Four simple tools to read the numbers before making them complicated.

Estimate compounding, test regular contributions, work backward from a goal and translate nominal money into purchasing power. Results depend on assumptions and do not include taxes, fees, spreads or your personal situation.

Future value DCA Goal Inflation

Educational note

Calculations use constant return and constant inflation assumptions. Real markets fluctuate. Taxes, fees, currency spreads and personal constraints are not included.

Tool 1

Future value calculator

Shows how a starting amount and regular contributions could evolve in nominal and inflation-adjusted terms.

Starting amount $ Monthly saving $ Period years Estimated yearly return % Estimated yearly inflation %

Nominal result -

In today's purchasing power -

Tool 2

DCA allocation calculator

Enter target weights, current amounts and a new contribution. You can add rows for US stocks, gold, cash or any other sleeve.

Current total-

Planned contribution-

Minimum for exact target-

Largest gap after contribution-

Where this contribution goes

Allocation after contribution

Exact rebalancing plan

Tool 3

Monthly saving needed to reach a goal

Works backward from a target to estimate the monthly contribution required under a simple return assumption.

Required monthly saving -

Tool 4

What inflation does to money

Shows how purchasing power can change even when the nominal amount looks stable.

Amount today $ Period years Yearly inflation % Optional yearly return %

Nominal value -

Real purchasing power -

Method

How these tools calculate

Future value: starting amount and end-of-month contributions grow with monthly compounding. The real result divides nominal value by inflation.

DCA: the contribution is directed toward sleeves below their target weight. If more cash is needed for exact balance, the tool shows the minimum.

Goal saving: the required end-of-month contribution is estimated with a monthly compounding assumption.

Inflation: nominal value grows with the optional return. Real purchasing power is adjusted for inflation over the same period.