Saving & Investing Calculator Pack
A 7-step dashboard for long-termists: compound growth, deposits, SIP, stock returns, dividends, FIRE and retirement.
The hard part of investing is not picking assets — it is feeling what time × return really means. This pack covers compound growth, deposits and SIP, stock and dividend returns, then lands on retirement and FIRE.
7 tools · follow the steps
Use in this order
- 1Compound Interest CalculatorFuture value, recurring deposits, year-by-year growth
Step 1 · Compound growth
See how money compounds over years with principal, return and horizon.
- 2Fixed Deposit CalculatorLump-sum and monthly deposit interest with listed rates
Step 2 · Deposits
Fixed-deposit interest is the baseline every other investment must beat.
- 3ROI CalculatorReturn on investment, annualized return and holding period
Step 3 · ROI
Annualized vs cumulative, simple vs geometric — do not fall for headline returns.
- 4Stock Return CalculatorBuy/sell price, dividends and holding-period return
Step 4 · Stock returns
Real returns after fees — trading costs eat far more than most expect.
- 5Dividend Yield CalculatorDividend per share vs price — yield percentage
Step 5 · Dividends
Dividend yield plus reinvestment — the core of income strategies is compounding payouts.
- 6FIRE CalculatorFinancial independence target and years to retire early
Step 6 · FIRE number
Back out your target with the 25× annual-spend rule, then see the gap and years needed.
- 7Retirement CalculatorSavings goal, monthly deposit and retirement age
Step 7 · Retirement
Estimate the state pension and your gap early — time is the biggest lever.
Related Guides
Compound Interest: Formula, Rule of 72 & Doubling Times
A = P(1+r/n)^(nt). ¥100k at 8% becomes ¥216k in 10 years, ¥466k in 20 — growth accelerates. Rule of 72: 72÷rate = years to double. Includes compounding-frequency tables and why starting 10 years earlier beats saving twice as much.
Read guide →
Where to Park Cash: Deposits, CDs & Money Market
Demand deposits ~0.2%, 1-year fixed ~1.5%, 3-year ~2.6%, large CDs ~2.9%, money market ~2%. ¥100k over 3 years: demand earns ¥600 vs ¥7,800 in a 3-year fixed. Covers laddering, deposit insurance limits and early-withdrawal traps.
Read guide →
ROI: Return on Investment Formula & Annualized Returns
ROI = (gain − cost) ÷ cost × 100%. $10k → $13k = 30% ROI. But ROI ignores time — annualize it: (1+ROI)^(1/years) − 1. 30% over 3 years = 9.14%/year. Includes worked examples across stocks, property and business decisions.
Read guide →
Fund SIP Returns: Annualized Yield, Fees & Real Examples
SIP returns use XIRR, not simple ROI: ¥1k/month for 3 years (¥36k in) growing to ¥42k is ~10.4% annualized, not 16.7%. Covers averaging math, fee drag (1.5%/yr costs ~30% of gains over 30 years), and when to stop or switch a losing SIP.
Read guide →
Dividend Yield: Payouts, Ex-Dividend & Dividend Tax
Yield = annual dividend ÷ price. ¥1 dividend on a ¥25 stock = 4%. Buy before the ex-date to receive the payout, but the price drops by the dividend amount. Covers yield traps, tax tiers by holding period, and dividend reinvestment math.
Read guide →
Inflation: Purchasing Power, CPI & Real Returns
At 3% inflation, ¥100 today buys only ¥74.40 worth in 10 years, ¥55.40 in 20. Real return = (1+nominal) ÷ (1+inflation) − 1. Includes purchasing-power tables, CPI composition, and which assets historically outpace inflation.
Read guide →
Savings Goal: How Much Per Month to Reach Your Target
Monthly saving = goal ÷ [((1+r)ⁿ − 1) ÷ r]. ¥500k in 5 years at 3% → ¥7,734/mo. Covers the FV-of-annuity formula, goal tables by timeline, where to park goal money, and how to adjust when returns disappoint.
Read guide →
Retirement Age: The Delayed Retirement Schedule Explained
China's delayed retirement (from 2025): men 60 → 63 over 15 years (+1 month per 4 months); women cadres 55 → 58 (+1 per 4 months); women workers 50 → 55 (+1 per 2 months). Born later = retire later. Includes the lookup method, flexible early/late options and pension math.
Read guide →
FAQ
Does 7% double money in 10 years?
Rule of 72: 72 ÷ 7 ≈ 10.3 years to double. Verify precisely with the compound calculator.
Lump sum or DCA?
Expected returns are close in upward-trending markets; DCA wins on smoother volatility and discipline. Lump sum wins in steady uptrends.
How much for financial independence?
The 4% rule: annual spend × 25. ¥120k/year spending → ¥3M target. Plug your numbers into the FIRE calculator.