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Explore market data, investing tools, beginner-friendly guides, profiles of important market thinkers, and a newsletter built to make money easier to understand.
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Money Masters has a growing, free library of plain-English guides covering investing basics, retirement accounts, dividends, markets, and risk. No jargon, no hype, no account required.
What is happening in the markets
Live prices, the day's movers, upcoming earnings, and the next economic releases, refreshed through the day.
New to this? Market movers are the stocks that rose or fell the most today. Earnings is when a company reports how much it made, and EPS means earnings per share.
Next economic releases
Follow the stocks that matter.
Explore the companies we research, screen stocks by how they have behaved, and open any popular name to read it in plain English. Educational only, never a recommendation.
Tools built to help you understand your money.
Track your portfolio, run the numbers, and see how your finances stack up. All free, no account.
Wealth Rank
See how your income and savings compare, here and around the world.
- Global income percentile
- National rank by country
- Age-group comparison
- Net worth percentile
Bitcoin House Calculator
How many Bitcoin it takes to buy a house, and how that has changed over time.
- Median US home priced in Bitcoin
- Real data back to 2015
- The long-term affordability trend
- Log or linear view
Track holdings and real returns across stocks, ETFs, and crypto.
The simplest place to start: see how money grows over time.
Plan long term, with rising contributions and an inflation-adjusted view.
Compare any two assets: returns, risk, and price ratios.
See how far your income stretches across major cities.
Project dividend income and reinvestment growth.
All tools are free · No account required · Data stays in your browser
Run the Numbers Before You Invest
Interactive calculators for the decisions that actually move your wealth.
Swipe to switch calculators
Compound Interest Calculator
See how your money grows exponentially over time.
For reference, the US stock market has historically averaged roughly 7 to 10 percent a year over long periods, before inflation. Past performance does not guarantee future results.
Fill in the boxes above to see how your money could grow.
How this is worked out
Compounding: The balance compounds monthly: your annual return is divided by twelve and applied each month, and any monthly contribution is added at the end of the month. Monthly compounding is a common convention; real accounts may compound daily, quarterly, or annually.
Return: The annual return you enter is a fixed assumption, not a forecast. Real returns vary every year and can be negative. US stocks have averaged roughly 7 to 10 percent a year over long periods before inflation, with large swings along the way.
Contributions: Contributions are assumed to be the same every month for the whole period. This tool does not step them up over time; for rising contributions, try the Portfolio Growth Calculator.
Not modeled: Taxes, fees, and inflation are left out, so the future value is shown in nominal dollars. The result is a hypothetical illustration, not a prediction or financial advice.
Common questions about compound interest
How does compound interest work?
Compound interest is the return you earn on both your original money and the returns it has already produced. Over time the growth builds on itself, so a balance can grow faster in later years than in early ones. This calculator shows that effect year by year, based on the figures you enter.
How is the future value calculated?
The tool compounds your balance monthly: it divides your annual return by twelve, applies it each month, and adds any monthly contribution at the end of the month. The final figure is a hypothetical projection from your own inputs, not a guaranteed outcome.
What rate of return should I use?
There is no single correct number. Many people use long run averages as a reference point; for example, US stocks have averaged roughly 7 to 10 percent a year before inflation, while bonds and cash have averaged less. Returns are not guaranteed and vary widely year to year, so it can help to test a few different rates.
Does the calculator account for inflation?
No. The result is shown in nominal dollars and is not adjusted for inflation, taxes, or fees, so its future spending power would be lower. To see a value adjusted for inflation over the long term, try the Portfolio Growth Calculator.
What is the difference between simple and compound interest?
Simple interest is earned only on your original amount. Compound interest is earned on your original amount plus the returns already added, which is why a long time horizon matters so much. This tool models compound growth.
Is this calculator financial advice?
No. It is an educational tool that illustrates how compounding could work using the numbers you enter. It does not predict real returns and is not financial advice. Consider speaking with a licensed financial professional about your own situation.
These results are estimates, not predictions. They assume a steady return every year, but real markets rise and fall. Use this to learn how the math works, not to forecast a number. Not financial advice.
New calculators are added regularly. All free, no account required.
Notes on investing and money.
Short pieces that put the tools and the markets in context.
High-Yield Savings vs. Money Market Funds
Both accounts hold cash and pay interest. But they're structured differently, protected differently, and better suited for different situations. Here's how to choose.
The 5 Investing Habits Every Beginner Should Build
Most new investors focus on picking stocks. The real edge is building systems. Here are the five habits that compound over time and separate consistent investors from everyone else.
Latest market analysis
Money Masters briefings on what is moving markets, in plain English.
A calm investing community
for long-term thinkers.
Most people stay stuck chasing trends and reacting to every market move. This community is built on a calm, long-term approach: stocks and crypto, no hype, and a repeatable system instead of hot takes.
Long-Term Investing
Build positions with a clear rationale. No trend-chasing, no market timing.
Repeatable decision systems
A clear, repeatable process you can apply to any market or asset.
Calm analysis, not hot takes
Grounded in fundamentals, not emotional reaction to headlines.
Beginner Friendly
Serious about investing, never condescending. Stocks and crypto. No hype.
Categories
This is for you if...
- You want real control of your money
- You're tired of guessing and reacting
- You want a repeatable investing system
- You think long term
The Money Path
Simple strategies for financial growth and success. A short, practical companion to the tools and guides on this site.
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