DIY investing has a lot of benefits but it can also take a lot of time. One area where you can burn up significant amounts of time is analyzing types , returns or even the fair value of an investment. Analyzing your potential or current investments is a critical step and not something you want to rush, but there is nothing wrong with working a little smarter. Hopefully these resources help you save some time and make you a more efficient investor.
Below is a list of calculators that will help you on your journey to financial freedom.
Simple Future Value: Calculate the future value of any investment based on a few inputs. Great for calculating the future value of investments like 401K’s or 529 plans to make sure you will have enough money when you need it.
Stock Total Return: Calculate the future value of any stock investment based on a rate of return and reinvesting dividends. This is a great tool to show calculate the impact of reinvesting your dividends over time.
Bond Yield: Calculate the current bond yield and the yield to maturity for any bond you hold.
Graham Number: Essential to any value investor – the intrinsic value or Graham number of a company represent the starting point for any valuation. It is essentially the value of all the assets of a company if they stopped making any additional sales and sold off all the assets on-hand.
Dividend Discount Model: The dividend discount model is an essential valuation technique for dividend growth investors. This calculator easily provides a fair value price today for any equity based on future values of dividends.
Dividend Growth Rate (DGR): Many valuation calculations will require an assumption for the future dividend growth rate. An easy way to to find this info is pull in the 5yr or 10yr DGR from David Fish’s “CCC” list. But if you want to calculate the growth rate in real time – then this calculator can be very helpful.
Dividend Payout Ratio: You want companies that grow their dividend each year and a low payout ratio means they have room to grow their dividend safely.
Mortgage: There are a ton of these calculators out there and Google even has their own right in the search results. In my opinion this one is the best because it has a ton of flexibility and is great at showing repayment options utilizing a number of different scenarios.
Investment Property Calculator: Find the ROI or gross income that a investment property will produce annually.
Mortgage Tax Deduction: Calculate your tax deduction from the interest you pay on the loan for your home.
401K: A great calculator to estimate your ending future balance based upon inputs of current balance, annual contribution, salary, raises, timeline, etc. This calculator provides a great full page detailed schedule that can saved and/or printed.
IRA Minimum Distributions: Easily calculate the minimum amount Uncle Sam will require you withdraw from your IRA’s once you hit 70.5 years old.
If you have a great resource you use, buts its not included above – leave a link in the comments and I’ll be sure to add it.
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Disclaimer: I am not a investment or financial professional of any kind. Any information contained within this site is for informational purposes only and should not be considered advice or a recommendation of any kind. All information is simply an opinion and should be treated as such.