Five Calculators, One Platform, No Signup Required
OptionsVault's financial calculator suite covers the five planning scenarios retail investors use most. Every calculator is free to use with no account — just open the page and start entering numbers.
Investment Calculator
Solve for end balance, required contribution, rate of return, starting amount, or time horizon — with a live year-by-year growth breakdown.
Retirement Calculator
Model your full retirement arc: accumulation phase through to drawdown. Set your target retirement income, see when your nest egg depletes, and stress-test different return assumptions.
Mortgage Calculator
Calculate your monthly payment, total interest paid, and full amortization schedule. Adjust your down payment or rate to compare scenarios side by side.
Dividend Calculator
Estimate annual dividend income from any stock. Model dividend reinvestment (DRIP) and see how compounding grows your income over time.
Dividend Portfolio Calculator
Build a multi-stock dividend portfolio, track your blended yield and total income, and — with a premium account — save your portfolio to the cloud so it's there every time you return.
Dividend Portfolio cloud save is available to premium members. Build your full dividend portfolio once — every holding, yield, and contribution — and it syncs to your account so you never have to re-enter it. Free users can still use the full portfolio calculator; data saves locally in your browser.
Investment Calculator — Solve for Any Variable
Most investment calculators only let you enter everything and see the end result. OptionsVault's investment calculator works in five modes — you choose the unknown and it solves backward. Want to know how much you need to contribute monthly to reach $500,000 in 20 years at 7%? Enter the target, the rate, and the timeline, and the calculator tells you the required monthly contribution. Want to know what rate of return you need to retire on your current savings trajectory? Lock in everything else and solve for rate. The live year-by-year table updates instantly as you move sliders.
Retirement Calculator — Full Accumulation and Drawdown Model
Retirement planning is a two-phase problem: first you build the nest egg, then you spend it. Most free retirement calculators only model the accumulation side and leave you to guess whether your savings will actually last. OptionsVault's retirement calculator models both phases — it shows you your balance at retirement, how much you can withdraw annually to hit a target end balance, and the age at which the portfolio would deplete under different spending rates. You can also toggle advanced mode to set different pre- and post-retirement return assumptions and adjust for inflation.
Mortgage Calculator — Full Amortization Schedule
Beyond the monthly payment, OptionsVault's mortgage calculator shows you the full amortization schedule — every month of principal and interest across the life of the loan. You can see exactly how much of your early payments go to interest versus principal, when you cross the 50% equity threshold, and how much total interest you pay over the life of the mortgage. Adjusting the rate or down payment instantly rebuilds the entire schedule, making it easy to compare the real cost of different loan terms.
Dividend Calculators — Income and DRIP Modeling
The dividend calculator lets you model income from any stock — enter the share price, dividend yield, and number of shares and see your annual income, quarterly payments, and the compounding effect of dividend reinvestment over time. The dividend portfolio calculator extends this to a multi-holding view: add every dividend-paying stock you own or plan to own, and the calculator blends your yield, totals your projected annual income, and shows how your income grows year over year as dividends compound. Premium members can save this portfolio to the cloud so it persists between sessions.
Paired with the Options Calculator for Complete Financial Planning
OptionsVault is built for investors who use both passive strategies — dividend income, retirement saving, mortgage paydown — and active strategies like options. The financial calculators and the options profit calculator live in the same free platform. After modeling your retirement trajectory, you can jump directly to the options calculator to price covered calls on dividend stocks you hold, or use the projections tool to evaluate whether your holdings are likely to maintain their dividend-supporting fundamentals.
Open the Free Financial Calculators Now
No account needed for the investment, retirement, mortgage, and dividend calculators. Sign up for premium to save your dividend portfolio to the cloud.
Launch the Free Financial Calculators →