Financial calculators
Twelve free calculators, no signup, no data sent anywhere: every calculation runs in your browser. They use the same formulas netclariq applies to your real data.
Saving & investing
Compound interest calculator
Projects a starting balance and monthly contributions with monthly compounding.
Portfolio IRR (money-weighted return) calculator
Money-weighted annualized return (IRR or XIRR).
110-minus-age rule calculator
Split between stocks and bonds based on your age.
Investor risk profile test
Short test to place your profile between conservative and aggressive.
Debt & mortgage
Mortgage payoff calculator
Standard payment and the real savings from an extra payment, term or payment reduction.
Personal loan calculator
Payment, total interest and first-year amortization schedule.
Calculator: pay down the mortgage or invest
Compares the guaranteed savings of paying down debt against investing with risk.
Planning
Retirement calculator
Target nest egg and monthly contribution needed by retirement.
Financial independence (FIRE) calculator
FIRE number, savings rate and years to financial independence.
Net worth calculator
Assets minus liabilities, with stable valuation rules.
50/30/20 budget calculator
Split of needs, wants and savings on your take-home pay.
Emergency fund calculator
Fund target, current coverage and time to complete it.
From the calculator to your real situation
A calculator answers a one-off question. netclariq applies these same formulas to your real accounts, loans and investments, month after month, with double-entry bookkeeping and without asking for your bank credentials. Also see the financial glossary.
Educational content. netclariq does not provide financial, investment, tax or legal advice, and its calculations are for guidance only.