Finance calculators
32 free tools - tax, Islamic finance and investing. Built on the same engine that powers Alvest portfolios. No sign-up required.
Tax
Capital gains, dividends, crypto and country-specific tax calculators.
Capital Gains Tax Calculator
US/UK/EU capital gains tax by holding period and bracket.
UK Dividend Tax Calculator
Dividend tax after the £500 allowance, plus ISA savings.
UK CGT Allowance Calculator
£3,000 allowance with 18% / 24% capital gains tax.
ISA Tax Savings Calculator
How much dividend & capital gains tax a Stocks & Shares ISA saves you.
Crypto Tax Calculator
Estimate tax on your crypto gains (US / UK).
Wash-Sale Rule Calculator
Is a loss disallowed under IRS §1091 (±30 days)?
Vorabpauschale Calculator
German advance lump-sum tax on accumulating funds.
Capital Gains Tax by Country
Compare CGT across the UK, Germany, France, Spain and Italy - ranked.
Islamic Finance
Shariah-compliant screening, sukuk and Islamic financing tools.
Investing & Budgeting
Budgeting, loan payoff and lump-sum vs DCA decisions.
50/30/20 Budget Calculator
Split your income into needs, wants and savings.
Loan Payoff Calculator
Interest and time saved from extra payments.
Lump Sum vs DCA
Invest all at once or spread it out over months?
Dividend Calculator
Project passive income with DRIP - watch your dividends compound year by year.
Compound Interest Calculator
See interest overtake your contributions - with the real, inflation-adjusted value.
Purchasing Power Calculator
How inflation erodes cash, the return you need to break even, and your real value if invested.
Savings Goal Calculator
When will you hit your number? Time to reach a goal - with an inflation-adjusted real target.
Bond Yield Calculator
Yield to maturity, current yield and duration from a bond price - plus its interest-rate sensitivity.
Investment Return Calculator
Your true annualised return - CAGR, total return and the money-weighted IRR with contributions.
Portfolio Rebalancing Calculator
Exact trades to hit target - plus the tax-smart way to rebalance with new cash, no selling.
Investment Fee Calculator
How much does a 1% fee really cost? See the fifth of your wealth it quietly takes over decades.
Debt Snowball vs Avalanche
Compare both payoff methods on your debts - least interest vs fastest first win.
Rent vs Buy Calculator
Buy a home or rent and invest the down payment? Net worth of each path + break-even year.
Home Affordability Calculator
How much house can you afford? The 28/36 rule on full PITI + a rate & income stress test.
Car Lease vs Buy
Lease or finance a car? Net worth of each - with depreciation, resale and opportunity cost.
Planning & Risk
Monte Carlo drawdown, how long money lasts, and crash stress tests.
Retirement Drawdown Calculator
Monte Carlo: will your money last? Sequence-of-returns risk + 4% rule vs guardrails.
Portfolio Stress Test
How much would you lose in 2008, COVID or the dot-com crash? Replay 8 historical crises.
Diversification Calculator
Real diversification score from correlations - plus a heatmap of which holdings just move together.
Safe Withdrawal Rate Calculator
How much can you spend in retirement? Monte Carlo finds it at 80/90/95% confidence - beyond the 4% rule.
Coast FIRE Calculator
When can you stop saving and let compounding finish the job? Find your Coast FIRE age.