Investment tools and financial simulators

Take control of your finances with our free calculators. Built for private investors who want clarity in their numbers.

Compound interest calculator and the rule of 72

Work out how your investment grows with compound interest and regular contributions. Includes the Rule of 72 to see how many years it takes your money to double.

Annualised return calculator (CAGR)

Get the annualised return on your investment (CAGR). Enter starting capital, contributions, final value and time frame to see the real return you achieved.

FIRE financial independence calculator

Find out how much capital you need to reach financial independence using the 4% rule. Work out how much to invest each month and in how many years you could live off your investments.

Investment simulator and comparison

Compare two investment scenarios with different contributions, time frames, returns and fees. See in charts which strategy builds more wealth and which option suits you.

Dividend and passive income calculator

Project your future dividends from your current portfolio. Work out dividend yield, annual and monthly passive income, and how far you are from living off dividends.

Average share price

Enter every purchase of a share, with prices and fees, and get the weighted average price. You also get your break-even price and the target price for the gain you are after.

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Why use financial simulators?

Investing is not a game of chance; it is a discipline built on numbers and probabilities. Our free investment tools let you project different scenarios so you decide rationally and with information, taking emotion out of it.

Whether you are planning your retirement with our FIRE calculator, analysing compound interest or comparing funds, these simulators give you the clarity you need to build your wealth.

Beyond your FIRE plan, here you can work out the compound interest on your contributions, your portfolio's annualised return (CAGR), your dividend income and the average price of your purchases, or compare two brokers' fees.

If you also want to check concepts and criteria against an official source, you can complement these calculations with the the CNMV's financial education resources for investors, which collect useful guides and warnings for understanding risks, fees and products before investing.

Lunch with Warren Buffett

Get to know the investor and his 10 best pieces of advice for investing successfully.

"This book will show you Buffett's investment philosophy — and why you need one of your own."
— Jordi Cucurella Roig

A fascinating look at his career and outlook, key to understanding his success. Based on the Management in 20 Minutes series by Harvard Business Review, it is the ideal guide for getting started in the market.

It plants the certainty that investing is possible, and that it starts with you. As Buffett himself puts it: "invest in yourself before you invest in anything else".

Paperback – 22 April 2024

Author: Smart Money Activity

Foreword: Jordi Cucurella Roig

Available on

Frequently asked questions

Are these tools really free?

Yes, every online tool on this page is 100% free and openly available. You do not need to register to use them.

Can I download the results?

Yes, all our calculators include a button to download a a full report as a ZIP file containing the Excel file with the full breakdown and the charts as PNG.

Is my data private?

Absolutely. These calculators run in your browser; we do not store any financial data you enter.