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Grow your money, then draw an income.

Free calculators that show what steady investing can build, how long withdrawals may last, and how local rules can change what you actually keep.

Worked example — 🇺🇸 United States, editable

Invest $500/month for 20 years at 10% and it grows to about $382,848. Then draw about $2,953/month — after United States tax — for the next 30 years, and still finish with money to spare.

Open the full United States plan → Use the global calculator See every goal →
Grow · 20y Draw · 30y
Start with your goal

Useful answers, without the sales pitch

Pick the question you need to answer. Every calculator is free, editable and works without creating an account.

Grow

Compound interest

See how a starting balance and regular contributions could build over time.

Calculate growth →
Prepare

Emergency fund

Build a target from essential costs, continuing income and your own risk factors.

Build your target →
Retire

Coast FIRE

Find when your current investments may be enough to coast toward retirement.

Find your number →
Protect

Life insurance needs

Add real family needs and subtract existing cover—without a quote form.

Estimate coverage →
Compare

Mortgage offset calculator

Compare three Australian mortgage choices using the same monthly spare cash.

Compare all paths →
Compare costs

Expense ratios & fees

Compare two complete fee stacks and see the direct charges plus lost compound growth.

See what fees cost →
Local calculators

Built for your country

Currency is only the beginning. These tools use local account names, tax treatment and dated official rules where they matter.

Suggested for your location

🇺🇸 United States

USD · S&P 500 · editable assumptions

Invest Withdraw Full plan
Canada

First home, RRSP, TFSA and retirement

Build an FHSA deposit plan, then connect contributions and deductions to retirement income.

Explore Canada →
United Kingdom

Pensions, investing and mortgages

Connect pension drawdown, cash withdrawals and mortgage-overpayment decisions.

Explore UK →
New Zealand

PAYE, after-tax saving and retirement income

Compare RWT with PIR, carry take-home pay into KiwiSaver and connect first-home or NZ Super decisions.

Explore New Zealand →
Browse more markets and specialist tools

Open the complete country directory only when you need it.

Guides

All guides →
Franking credits in Australia: the calculation from statement to tax
A statement-first guide to franked dividends, grossed-up income, tax offsets, refund limits and the eligibility questions a calculator cannot decide.
Novated lease vs cash in Australia: how to check the whole quote
Turn payroll deductions, tax, FBT or EV treatment, provider costs and the residual into one comparable ownership cost.
How to calculate GST in New Zealand: add, remove and check 15% GST
Use the right formula for an exclusive or inclusive price, check the GST component and understand when a simple 15% calculation is not enough.