Run the numbers before you trust anyone with them.
A set of independent, currency-agnostic financial calculators — the same logic I use with Titanium clients managing $100k–$30M portfolios, made free for anyone who wants to check their own math first.
Sixteen tools, five questions.
Every investor eventually asks the same four questions — how fast can this grow, when can I stop working, is my foundation solid, and how much risk am I actually carrying. These tools are organized around that logic, not around jargon.
Compound Interest Calculator
Project capital growth over time with periodic contributions and a set rate of return.
Open calculatorRule of 72 Calculator
Estimate how many years it takes for capital to double at a fixed rate of return.
Open calculatorDCA vs. Lump Sum Calculator
Compare investing in periodic instalments against deploying the full amount at once.
Open calculatorReal Return Calculator
Strip inflation out of a nominal return to see what an investment actually earned.
Open calculatorFIRE Number Calculator
Find the capital you need to cover your expenses and be financially independent.
Open calculatorRetirement Projection Calculator
Project your retirement capital from current savings, contributions and expected return.
Open calculatorSafe Withdrawal Rate Calculator
Estimate a sustainable withdrawal from your portfolio using the 4% rule and custom rates.
Open calculatorSavings Goal Calculator
Find out how much you need to save each month to hit any target, at any return rate.
Open calculatorNet Worth Calculator
Calculate your net worth by listing assets and liabilities. Private, nothing stored.
Open calculator50/30/20 Budget Calculator
Split your income into needs, wants and savings with the 50/30/20 rule.
Open calculatorEmergency Fund Calculator
Calculate the emergency fund you need to cover 3–12 months of essential expenses.
Open calculatorInflation Impact Calculator
See how inflation erodes your money's purchasing power over time.
Open calculatorIndex Fund Growth Simulator
Simulate the growth of a lump-sum investment in a broad market index.
Open calculatorPortfolio Risk & Return Calculator
Estimate expected return and volatility for a custom mix of equities, bonds and cash.
Open calculatorDiversification Calculator
See how combining assets with low correlation reduces overall portfolio risk.
Open calculatorMost financial advice starts with a product. Independent advice starts with arithmetic. These calculators let you verify the assumptions behind any proposal you receive — from a bank, an insurer or an advisor — before a single euro or dollar moves. Nothing is stored, nothing is sent anywhere: every calculation runs entirely in your browser.
Numbers checked. Now what?
A 30-minute exploratory call — no sales pitch, a technical conversation about what your numbers actually mean for your portfolio.
- A read of your current allocation, fees included
- Where your assumptions are optimistic — and where they are not
- Whether Titanium or AFA is the right fit, or neither