Free Online Calculators

Investing & Valuation Calculators

Use 11 free online financial calculators for mortgages, loans, debt payoff, savings, investing, education finance, and business planning. Choose a category below to find the right calculator for your decision.

Make the calculation match the financial decision

Investment calculators answer different questions even when each produces a percentage or present value. ROI summarizes gain relative to cost, NPV values a stream of cash flows at a required return, and IRR finds the rate at which that stream has a zero net present value.

Security and portfolio tools add market assumptions. Stock and bond valuation estimate value from future cash flows, while beta, CAPM, Sharpe ratio, and portfolio analysis describe expected return or risk. None of these outputs removes uncertainty from the inputs.

Pillar calculator

Start with Return on Investment (ROI) Calculator

Calculate ROI percentage and amount to measure investment performance. Compare projects and track profitability.

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Choose the calculator for your next question

Start with the question you can answer from information you already have. Move to the next tool only when the first result gives you the inputs or boundary you need.

Calculator selection guide for Investing & Valuation
CalculatorUse it when
Return on Investment (ROI) CalculatorYou need a simple gain-versus-cost measure for one investment.
Net Present Value (NPV) CalculatorYou have dated cash flows and a required return.
Internal Rate of Return (IRR) CalculatorYou want the discount rate implied by a cash-flow series.
Discounted Cash Flow CalculatorYou are estimating value from forecast cash flows and a terminal assumption.
Stock Valuation CalculatorYou are testing an equity value from company-specific assumptions.
Portfolio Return Risk CalculatorYou are combining asset weights, returns, volatility, and diversification.

Build an investment analysis that can be checked

  1. Step 1

    Define the cash flows

    Separate the initial outlay, recurring cash flows, exit value, fees, and taxes. Keep the timing convention consistent across the analysis.

  2. Step 2

    Choose the decision measure

    Use ROI for a simple summary, NPV for value created above a required return, and IRR for the implied rate. Use more than one measure when timing or scale differs between alternatives.

  3. Step 3

    Challenge the assumptions

    Vary growth, margins, discount rate, terminal value, and volatility. The range of outcomes is often more informative than a single base-case result.

Know what each investment result can support

  • Two projects can rank differently by ROI, NPV, and IRR because the metrics treat scale and timing differently. State the decision rule before selecting the preferred result.
  • A valuation is only as reliable as its cash-flow and discount-rate assumptions. Small changes can produce large value differences, especially when terminal value is significant.
  • Historical volatility, beta, or return does not guarantee a future distribution. Treat risk metrics as model inputs rather than forecasts.

Frequently asked questions

Should I use ROI, NPV, or IRR?

Use ROI for a simple gain-to-cost ratio, NPV when you have a required return and dated cash flows, and IRR when you need the rate implied by those cash flows. Complex decisions often benefit from all three.

Why can an investment have more than one IRR?

Cash-flow series that change sign more than once can produce multiple mathematical solutions. In that case, inspect NPV across relevant discount rates instead of relying on IRR alone.

Does a higher Sharpe ratio mean an investment is safe?

No. It indicates more historical or modeled excess return per unit of measured volatility under the inputs used. It does not capture every risk or guarantee future performance.