How to use (3 steps)
- Start with NISA when you want to compare tax-advantaged vs taxable growth.
- Use Retirement to check yearly balance path with inflation-adjusted view.
- Use Withdrawal to test fixed-amount vs fixed-rate drawdowns and check depletion timing.
Pick the calculator by the money decision you need to make
Use this hub when you already know the question but not the best calculator. Start with the first decision, then move to the next tool only after the previous output looks realistic.
Use these paths
- Tax-advantaged investing: start with NISA when you need tax-free versus taxable growth.
- Long-term growth: start with Compound interest or SIP when the question is contribution pace and return.
- Retirement income: start with Retirement, then move to Withdrawal for drawdown timing.
- Interest-rate risk: start with Bond duration when price sensitivity matters more than account growth.
Common mistakes
- Using one return assumption everywhere without checking whether the tool expects accumulation, withdrawal, or bond pricing inputs.
- Comparing taxable and tax-advantaged results before matching contribution timing and fees.
- Treating a single scenario as a forecast instead of comparing a baseline and a stress case.
- Switching to duration or rebalance tools before confirming the basic cash-flow path.
Recommended sequence
For household planning, check growth or NISA assumptions first, then move to retirement or withdrawal only after the accumulation path is believable. For portfolio reviews, check fee drag or rebalance first, then open bond duration only when rate sensitivity is the real decision.
Related hubs
Start with these four tools
NISA
Compare tax-free and taxable account outcomes under the same assumptions.
Fee drag
Measure how annual fees reduce long-term ending balance.
Withdrawal
Estimate how long assets last with return and inflation assumptions.
Bond duration
Estimate how much a bond price may move when interest rates change.
Calculators
- Fee Drag Calculator – How fund fees reduce long-term returns.
Compare 0% vs annual fees (expense ratio).
- New NISA savings simulator – tax-free allowance vs.
Project your New NISA contributions versus a taxable account, track annual and lifetime allowance usage, and compare.
- Retirement Savings Calculator.
Project your retirement nest egg by combining current savings, recurring monthly contributions, investment growth.
- Withdrawal Simulator — How long your portfolio lasts.
Simulate portfolio withdrawals with inflation adjustment and a max-withdrawal solver.
- Portfolio Rebalance Calculator.
Compute buy/sell amounts from current holdings and target weights.
- Compound Interest Calculator.
Estimate future value and Effective Annual Rate from APR, compounding frequency, years, and optional monthly.
- Savings Goal Planner: Deposits, Time, Future Value.
Work out the deposit needed to hit a savings target, the time required at a chosen deposit, or the future value.
- SIP Calculator (Investment) Tool.
Compute maturity amount, total invested, and estimated gain from monthly investment amount, expected annual return.
Planned additions
- Monte Carlo accumulation/withdrawal simulator (probabilistic).
- Tax-aware withdrawal ordering and account-sequence modeling.
Next steps by workflow
- Fee dragUse this before comparing funds or brokers with different annual costs.
- Portfolio rebalanceUse this after you know the target allocation and need buy or sell amounts.
- Savings goalUse this when the question is monthly deposit size or time to target.
- Bonds & ratesGo here if the decision is yield, duration, or rate sensitivity rather than account growth.
FAQ
Which calculator should I open first for retirement planning?
Start with Retirement if you need an accumulation path from current savings and contributions. Move to Withdrawal only after that path looks realistic and you need to test drawdown timing.
When should I use bond duration instead of compound growth tools?
Use bond duration when the question is price sensitivity to interest-rate moves. Use compound, SIP, or savings-goal tools when the question is contribution pace and long-term growth.
Should I compare taxable and tax-free accounts on this page?
Yes. Start with NISA when you need that comparison, but keep contribution timing, fees, and return assumptions aligned before judging the difference.
What is the safest way to compare scenarios here?
Keep one baseline case, then change only one assumption at a time. Save shareable URLs so you can explain exactly which assumption moved the result.