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Financial calculators and tools collected

Financial calculators and tools collected post image

Like me, you’ve probably amassed a sizeable collection of financial calculators to help you plan your investments, savings, and retirement.

And if – again like me – you suffer in silence from scatterbrain syndrome, then those handy little resources will be splattered around your browser like a Jackson Pollock study in bookmarks.

In an attempt to bring order to the chaos and neatly array a set of investing resources for the Monevator community, I’ve created this handy calculators and tools resource page.

Have I missed out your favourite? Is it truly worthy? Tell us about it in the comments section and I’ll add it to the list.

My main selection criteria:

  • Free – Critically important! Though you may have to sign-up with an email.
  • Ease-of-use – Not many financial calculators benefit from Apple quality design aesthetics, but the closer we can get to that ideal the better.
  • Range – I’ve trawled for tools that cover the gamut of investing concerns, from yield curves to life expectancy.
  • UK orientated – Where possible I’ve plumped for UK calculators, because Monevator is primarily a UK site. However the US is the home of the financial calculator, and I’ve sprinkled in a few Stateside tools where a UK alternative isn’t available.
  • Passive orientated – I advocate passive investing and my choices support that investing strategy.

Accuracy is the other important thing to be mindful of when using a financial calculator, tool, or similar resource.

It’s impossible for me to vouch for the fidelity of any dataset, so using these calculators is your responsibility. Many come courtesy of household names like the Bank of England, Morningstar, and Vanguard, but still… Make sure you check their assumptions, and use any outcomes as a guide only, not a dead cert.

Enough of the qualifiers, on with the tools…

The one-stop shop

Financial calculators 1 – An excellent set of saving, investing, and retirement calculators covering a broad range of scenarios. From Candid Money.

Financial calculators 2  – Same again. Superb tools from Dinky Town.

Financial calculators 3 – The answer to every conceivable financial maths problem you might have. Courtesy of Calculator Soup.

Financial calculators 4 – Courtesy of the UK giant that is ThisIsMoney.

Financial calculators 5 – Too much choice? Sorry, but the UK’s Money Advice Service is so good you could send your grandma there.

Saving

Budget planner – Money Saving Expert’s brilliant poke into the hidden corners of personal expenditure.

The Demotivator – The stark cost of buying tat, as measured in lost income and days of your life.

UK inflation calculator – Who better to ask than the Bank of England?

Future inflation calculator – Watch inflation eat your savings.

Personal inflation calculator – How vulnerable are you to the money muncher?

Investing – cost and product comparison

Trustnet tool box – Good for charting, fund comparison, and portfolio tracking, plus there’s a (patchy) portfolio scanner / X-ray device.

Fund cost comparison calculator – quick – Pit the initial charges and OCFs of two funds against each other.

Fund cost comparison calculator – detailed – Smoke out every last expense that assails you with the True & Fair Campaign’s cost calc.

Effect of expenses on your investment – The classic calculation you get from any financial service provider, but in easy-to-digest graph form.

Investing – fund research

Fund screener – Find the fund of your dreams by type, TER, manager…

Fund quick rank – Amusingly named easy-to-use variant of a fund screener.

Fund comparison – Spot the difference game for up to five funds. Compare returns, asset allocation, sector breakdown, yadda yadda.

Fund comparison for trackers – Useful index fund comparison tables. This is Hargreaves Lansdown, so doesn’t necessarily offer a whole-of-the-market view. Also see TD Direct’s version (set the drop down on the right to tracker funds).

Investing – ETF research

ETF table – Superb ETF finder. Customise until your heart’s content.

justETF website – Becoming the first port of call for the UK’s ETF fans.

ETF screener – Information overload begone.

ETF comparison – Beauty contest for your ETF shortlist. Sign-up required then go to Fund Comparison.

ETF quick rank – Like the screener but quicker.

London Stock Exchange ETF prices – Track prices, NAVs, volumes, and estimate liquidity.

Investing – investment trust research

Investment Trust screener – Same again, but for ITs.

Investment Trusts for retirement income – As selected by Monevator’s very own grizzled veteran, Greybeard.

Investment Trust stats – Useful for comparing ITs.

Investing – financial goals

Investment goal calculator – How much in pounds or time you’ll need to invest to reach your targets (click on assumptions to set the level of growth).

Compound interest calculator Monevator’s calculator of dreams, see how the money grows.

Who wants to be millionaire calculatorThe Investor does, and he designed this calculator so he can work out how long it will take him.

Investing – asset allocation

Asset allocation historical returns – Discover how various asset allocations have affected UK returns (give it a few seconds to load the graph). Also click on the grid icon for a more useful display.

Historical rate of return by asset class – 80 years worth of returns data neatly marshaled into interactive graphs. This is US-orientated but should also prove useful to other developed world investors. Also take a look at Fintelapps’ saving, mortgage and net worth calculators.

Best performers – Check out which asset classes and sub-classes are hot! For all you performance chasers momentum capturers out there.

Asset correlation matrix – Quick and easy snapshot of the invisible strings tying major asset classes together.

Bonds vs Equities – Vanguard Target Retirement funds (US) reveal Vanguard’s take on appropriate bond allocations based upon age. (Click on the colour bar that’s closest to your age and scroll down to see the asset allocations.

Lazy portfolio backtesting tool – Epic spreadsheet comparing US historical returns for various portfolios. Even has its own Boglehead discussion thread.

Asset allocation calculator – Fun to play with and a friendly introduction to asset allocation ideas. However these tools should be treated as a vague guide only.

Asset allocation calculator 2 – Similar idea to the above, but more comprehensive. Use it as a starting point for research rather than an endgame.

Investing – risk tolerance

The panic calculator – How much losing your head during a bear market would have cost you.

Investment recovery calculator – How long will it take your portfolio to recover from a crash? A good way to think about risk tolerance.

Risk tolerance questionnaire 1 – About as deep as a Cosmo quiz, but it at least it gives you a place to start – don’t take it too seriously.

Risk tolerance questionnaire 2 – The widely respected Finametrica test as used by good financial advisors. It’s free in exchange for your email address.

Investing – broker research

UK broker comparison tableMonevator’s very own market-leading table to help you choose the right broker / platform / fund supermarket.

International broker comparison table – UK brokers that enable you to invest in foreign equities and ETFs as researched by the unstoppable International Investor.

Investing – portfolio tracking

Portfolio tracker – deep – The sanity preserving alternative to plotting every trade on a spreadsheet (marvelous detail if you click this link, btw).

Portfolio tracker – pretty – Not as deep as the one above but lovely to look at. Choose if you’re shallow (joke).

Portfolio tracker – Bogleheads – It’s a Google Docs spreadsheet. Only you can know if that makes you happy or sad. Comes with a Boglehead support line. Okay, thread.

Portfolio tracker – Stocks – A spreadsheet that’ll be eerily reminiscent of the ‘All work no play’ moment in The Shining for some. Needs converting from US focus.

Annualised return calculator – quick – A fast and loose reveal of the ugly truth about your returns. The excellent Money Chimp presides.

Annualised return calculator – not-so-quick – Wants a bit more effort for more accurate results. Can’t say fairer than that.

Annualised return calculator – detailed – Ooh, get you with your high maintenance Diva demands. It’s a spreadsheet calc with all the joy of sexy detail that implies. Hit the Rate of Return Calculator link to download the spreadsheet.

Investing – market valuations

Global stock market valuations – At-a-glance world map of PE, CAPE, PB and more valuations of world stock markets. Updated annually.

UK long-term PE – PE 10 for the FTSE All-Share.

UK PE ratios – Covers the major FTSE indices. Handy for valuing the market.

PE ratios by country – Scroll down to Download Data. From the drop-downs select ‘Equities’, then ‘Ratios – Yield and P/E by Country’, then your date, and Alakazam!

The Shiller PE Ratio – PE 10 for the S&P 500.

Investing – market returns

Global investment returns – Go here. Download the latest Credit Suisse Global Investment Returns Yearbook. Check out historical returns for the UK, US, the world and many other major countries in between.

FTSE market data – A deep, deep data mine for the UK and the rest of the world covering equities, bonds, commodities, currencies. All hail the FT.

US equity returns – Excellent US historical performance tool. Enables you to compare real returns along with P/E valuations.

Investing – expected market returns

Global market forecast – Brave because they’re going to be wrong. 10-year forecast by asset class, country and portfolio. Includes volatility and correlation predictions. Amazing but use with extreme caution.

Global stock market forecast – Similar to above but 15-year forecast for equities only. Forecasts by country based on CAPE valuations. Same health warnings apply.

US and world market forecast – Same idea again but 30-year forecast. Scroll down for table. Take with a sack of salt, but can help with planning.

Investing – other

US financial calculators – You lucky Americans. You have the best selection of free investing tools in the world, as diligently collected by the Bogleheads.

Bonds

Interest rate changes – What they’ll do to your bonds.

Yield calculator – Work out the yield-to-maturity and running yield for conventional fixed-coupon bonds.

Bond price calculator – Um, work out the price of your bond.

UK Government bond yields – Check out the gilt yield curve, plus interest rates on all your fave benchmark bonds.

Bank of England yield curve estimates – The venerable central bank sticks its finger in the air on interest rates and inflation.

Bond prices and yields – For individual UK gilts. From the incomparable Fixed Income Investor.

Gilt HQ – An excellent resource from the UK’s Debt Management Office.

Retirement – income calculators

Retirement income calculator – How many pennies you’ll have to rub together when you retire.

The best retirement income calculators – As highly recommended by expert US retirement blogger, Darrow Kirkpatrick.

Contribution increase calculator – How much more you could spend in retirement for a small increase in your pension contributions.

State Pension forecast – You never know, it may still exist when you retire.

Retirement spending calculator – A fun way to think about how much income you’ll need in retirement.

Annuity rate comparison – From the excellent Money Advice Service.

Retirement income dashboard – From Professor of Retirement, Wade Pfau. US-based.

Retirement – withdrawal rates

Retirement Monte Carlo sim 1 – You can retire? Great. How long will your funds last?

Retirement Monte Carlo sim 2 – Same again, in case you didn’t like the first answer.

Retirement withdrawal calculator – How much you’ll be able to large it in your dotage, depending on withdrawal rate.

Dynamic withdrawal rate calculator – Adjust your withdrawal rate according to investment performance to avoid running out of money. Superb!

The probability of ruin calculator – With a name like that how can you refuse? From the great Moshe Milevsky.

Income drawdown calculator – Don’t spend it all at once!

Retirement – life expectancy

Life expectancy calculator – quick – It reckons I’ve got until age 87. If I’m average. I’ve got to be above-average at something, right? UK-centric.

Life expectancy calculator – not-so-quick – I like this more. It says I’ll plough on until 92. US-based. Wish I lived in the US. Is it too late to emigrate?

Life expectancy calculator – detailed – Holy Coffin Nails! This gives me 84.32 years. It’s all flashing by so fast. At least I’ve got the 0.32. They’ll never take that away from me. US-based. Cancel the green card.

Longevity calculator – The average life expectancy for you and a significant other. Handy for working out how long your pension funds will need to last. US-based.

Early retirement

Early retirement calculator – Calculate the savings rate you need to check out in less than 10 years.

Unpaid overtime calculator – See how much you’re being stiffed by ‘The Man’.

Tax

UK income tax calculator – quick – Simpler, if the other one makes you sleepy.

UK income tax calculator – detailed – Wail, gnash, moan, but at least we’re not Greece. Listentotaxman is also very good.

Tax code calculator – Sigh.

Capital gains tax calculator – Snore.

Property

Mortgage rate calculator – Comprehensive suite of mortgage number-crunchers.

Mortgage calculators – From stamp duty through negative equity to interest rate movements. Scroll down to find ’em.

Mortgage repayment calculator – How much you’ll save by overpaying, courtesy of Monevator.

Buying or renting: US – Which is best? A nifty New York Times calculator that’s convertible to the UK.

Buying or renting: UK – A very simple UK effort. Probably too simple.

And finally…

The global rich list – Where do you stand in the world’s Top Seven Billion? Irresistible.

If you discover any broken links then please holler in the comments. Hopefully we can grow this list over time into an indispensable community resource, so do let us know about your own favourite financial calculators and tools.

Take it steady,

The Accumulator

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{ 57 comments… add one }
  • 1 Stephen Smyth July 10, 2012, 6:22 pm

    http://listentotaxman.com/ is one of my personal favourites. Let’s the user see what they’ll take home after tax, NI, pension contributions and student loan payments.

  • 2 Hanno July 10, 2012, 9:00 pm

    thank you, this is an amazingly comprehensive guide (well, link collection really).
    i’ve been reading monevator for just under a month now, kudos for this fantastic website.

  • 3 Loads O' money July 11, 2012, 9:43 am

    “Life expectancy calculator – It predicts I’ll live until 92. How about you?”
    Don’t you hate it when you spend ages filling in hundreds (maybe some exaggeration) of questions, then right at the end after you have invested your valuable time, they spring on you a sign-up page before they will let you see the results?
    Fair enough to insist on a sign up to use a tool, but they should be honest up front. I don’t like sites that attempt to trap me. It feels dishonest. I abandoned the process as a result.

  • 4 Loads O' money July 11, 2012, 9:44 am

    p.s.
    My previous comment is not reflection on this excellent list! Thanks for all your hard work, I’ll be book marking this page (along with many others from this blog).

  • 5 gadgetmind July 11, 2012, 10:58 am

    I’m glad you mentioned firecalc – what a great tool.

    Hargreaves Lansdown also have a tool for scari^H^H^H^H^H educting those just starting out with pensions.

    http://www.hl.co.uk/pensions/interactive-calculators/pension-calculator

  • 6 Tony July 11, 2012, 1:06 pm

    Thank you – some great resources that I’ll have to investigate: apparently, I have until age 91 to do so!

    @Loads O’ money (and anyone else) – don’t give out your real email address unless – use a disposable email account from http://www.mailinator.com that you can create as required. e.g. Just type “xxx@mailinator.com” and any emails will be sent to that address – it’s up to you if want to read the email or ignore it. The account has no security, so anyone can view the email IF THEY KNOW its name, so take care (i.e. don’t provide your real name, address, tel number etc).

  • 7 SemiPassive July 12, 2012, 7:20 pm

    Some great links there. The H-L pension calculator is a depressing example of the huge sums required to buy annuity income.
    Want to retire at 55 and have any inflation indexing? Prepare to be horrified.
    On that note can you do an article on SIPP drawdown vs annuities, and how to get the best bang (income) for your (pension pot) buck.

  • 8 Jeremy Epstein July 14, 2012, 9:58 am

    Thank you for the list! I think Numeric Notes (http://itunes.apple.com/kz/app/numeric-notes/id464069442?l=ru&ls=1&mt=12) is a very good option for finance calculations (since it is a finance calculator).

  • 9 Rob July 15, 2012, 8:23 am

    http://Www.smart-beta.co.uk gives performance and other data for passive and process driven funds.

  • 10 The Accumulator July 16, 2012, 9:13 pm

    Thanks all for the excellent extra links and the general thumbs up. Listen to the taxman and the HL calculator both look very good. I’ll pop the links into the main piece when I get a chance. I’m in two minds about Smart Beta though, Rob. I left it out of my first draft because there are so many gaps in the data, it is at times misleading. There is nothing else quite like it though and I’m glad you’re producing it. I’ll need to take another look.

  • 11 Rob July 16, 2012, 9:24 pm

    The gaps in the data on smart-beta are because the data are not available. That alone is interesting I think and should help people make an investment decision.

  • 12 Evan July 17, 2012, 8:47 pm

    Accumulator,

    Check out Dinkytown.net

  • 13 The Accumulator July 17, 2012, 9:25 pm

    Thanks, Evan, that’s calculator heaven right there.

  • 14 Passive-Noob July 23, 2012, 12:51 pm

    Hi

    (Recently read Tim Hales ‘smarter investing’ book, and am building a passive portfolio – loving your blog – find pretty much every article fascinating!)

    There’s a need to be able to assess the performance of your portfolio over time, taking into account the effect of inflation (Hale’s book mentions creating an index for inflation at the start of your investment plan). I had a glance through the tools above but couldn’t immediately see anything for recording all disparate investments and performance over time. Do people here just use a spreadsheet? (I assume one could enter the current values of all investments, say six-monthly, and use this to review performance, rebalance etc?)

    Many thanks for any comments 🙂

  • 15 The Accumulator July 26, 2012, 10:39 pm

    @ P-Noob – I use MorningStar’s portfolio tracker – linked in the ‘investment – portfolio tracking’ section above. Trustnet also do one. There are lots of spreadsheets of varying complexity out there too. I update my portfolio tracker whenever I trade, rather than face a mountain of data-entry every six months.

  • 16 The Accumulator July 27, 2012, 11:07 pm

    Have updated the collection with some of the suggestions. Thanks for all your recommendations.

  • 17 The Investor July 28, 2012, 9:14 am

    Just discovered a really straightforward calculator for showing how your savings rate effects early retirement possibilities:

    http://networthify.com/earlyretirement#

  • 18 NearlySolvent November 5, 2013, 2:43 am

    Thanks for this, particularly the portfolio tracking suggestions.

    I’ve looked at JStock which is OK for LSE shares but not funds. A recent discussion on Moneysavingexpert talked about using Google Docs spreadsheets with live financial info but there seems to be different rules for different types of equity.

  • 19 vanguardfan November 5, 2013, 1:29 pm

    thanks for this. Strangely I’m going to live to 92 as well 😉
    Actually I think a single number for life expectancy isn’t terribly useful, since it is more likely to be wrong than right! I found it more helpful looking at the ONS life expectancy projections (sorry I can’t lay my hands on the link now, but we discussed it a couple months back) which give a probability that one will still be alive at a certain age (based only on year of birth and gender and current UK projections of mortality rates). This was quite sobering as it gave me not insignificant probabilities of living to 110 (I think it was maybe around 15-20% iirc). Certainly way higher probabilities of living to very old age than I would have guessed.

  • 20 vanguardfan November 5, 2013, 1:38 pm

    Sorry, I have a question regarding firecalc. It has the facility to run simulations based on randomly fluctuating portfolios for which you can set the mean return and variability (standard deviation). This looks attractive as one of my problems with firecalc is its reliance on US return data. However I don’t know what would be reasonable assumptions to make about returns…
    Can anyone suggest values to use for portfolio mean and SD figures, which would be reasonable assumptions for a UK-focused cautious passive portfolio? (e.g something like Vanguard LS 60?)

  • 21 dearieme November 5, 2013, 4:26 pm

    What a wonderful collection. And so clever of you to know that my old programmable calculator has just died so that I now need to use these lovely toys. Have you been chatting to my wife?

  • 22 Snowman November 5, 2013, 9:37 pm

    Others have found my savings interest checker quite useful (can be downloaded to excel using ‘file download as’)

    https://docs.google.com/spreadsheet/ccc?key=0AhA6Przq6KI1dElHUVlRQ1kzUHhfSEkwRUZiZG1RUEE&usp=drive_web#gid=0

    In the example the net savings interest calculated by the spreadsheet of 63.17 in cell K11 is used to check the net interest actually paid of 63.13.

  • 23 GM November 6, 2013, 12:53 pm

    Thank you so much for sharing such a wealth of knowledge!

  • 24 dearieme November 6, 2013, 1:47 pm

    Cheer up, vanguard an, there are people who suspect that there is a maximum to human lifespan at somewhere about 115 or so.

  • 25 The Accumulator November 8, 2013, 8:57 pm

    @ VF – Going on the figures from Tim Hale’s book you could use 4.1% annualised real returns and 11% standard deviation for a 60:40 portfolio. Mind you, that’s using his second edition, I haven’t upgraded to the recently released 3rd edition.

  • 26 BeatTheSeasons November 12, 2013, 11:34 am

    A calculator I’d like to see would tell you how much you need to pay into your SIPP so that you pay precisely zero higher rate tax in any given tax year.

    It sounds simple because you just need to know your personal allowance and the tax bands, but then when I come to make the contribution I’m never sure whether it’s meant to be made gross or net and how you do that.

    And then I can’t get my head round how much the refund cheque is going to be because I’ve already had the basic rate tax relief direct into my SIPP.

  • 27 Aidan November 12, 2013, 10:39 pm

    @BeatTheSeasons I think it’s easier to start a draft tax return and play with the figures accordingly. It’s always a bit of a guess as to what dividends/overtime I’m going to get but I sure don’t want to pay 40% tax if I can help it…and the return can be honed towards the end of the tax year.

  • 28 Dimitrj October 28, 2014, 8:34 am

    I have a broken link to report: http://www.whichetf.co.uk/table-master/
    And an amazing, free (forever!), stock-picking tool, with 68000 worldwide stocks and 18 investment guru strategies (Buffett, Graham, Templeton, O’Shaugnessy and many more): http://www.meetinvest.com/

    We would be honored if you would check the platform out and take the tool into the list, if you find it being useful.

  • 29 jim May 27, 2015, 12:09 am

    @beattheseasons to grab all my 40% back into my sipp i use the hargreaves landsdown tax calculator pop in your earnings and how much you want to pay into the sipp and it shows the basic and higher rates. fiddle with the amount to pay in – yes a bit of a fath – and when basic is the same value as higer rate = job done

    lower rate is paid back through sipp and higher through tax return
    http://www.hl.co.uk/pensions/interactive-calculators/tax-relief-calculator

    tax office got confused between net and gross but i eventually got it all! Now i look forward to my tax return as i get my PAYE tax back

  • 30 Mathmo May 27, 2015, 8:15 am

    Outstanding.

  • 31 Mr and Mrs Geek May 27, 2015, 12:34 pm

    So many tools to play with!! This is fantastic! Thank you very much!
    – Mr and Mrs Geek

  • 32 Jim McG May 27, 2015, 1:23 pm

    Great collection of links although according to the life calculators I died a week ago last Tuesday.

  • 33 The Accumulator May 27, 2015, 2:19 pm

    You’re looking good on it.

  • 34 Steve May 27, 2015, 3:52 pm

    Maybe I’m missing something (correct me if I’m wrong!) but the Saving / Personal Inflation Calculator just shows a fixed set of numbers, with no way to edit those values or recalculate.

  • 35 david May 28, 2015, 12:02 pm

    @ Steve – I think you need to enable scripts on your browser for the Personal Inflation Calculator to work. I have a script-blocker on Firefox that blocks everything by default – I had to enable scripts for statistics.gov.uk to edit the numbers, I assume this is the one you mean:

    http://www.neighbourhood.statistics.gov.uk/HTMLDocs/dvc14/index.html

    Without knowing your browser or setup I can’t tell you how to turn scripts on. With No-Script in Firefox I just click the red circle thing to the left of the website name near the top of the browser, then click “Allow statistics.gov.uk”

    If you use Explorer you may need to put neighbourhood.statistics.gov.uk into the Trusted Zone in Internet Options. I don’t know about Apple browsing.

  • 36 Steve May 28, 2015, 12:24 pm

    @David. Thanks.

    I’ve tried Chrome on XP, Chrome on Win7, IE on XP. No luck with that site. Other sites run javascript happily. I can’t find any likely settings to change.

    Ah well …

  • 37 Barry May 29, 2015, 9:51 am

    This list is amazing. It would take ages to to try and discover them all.
    I like to use this financial planner from royal london which is free and allows you to scenario for downsizing a house or retiring early.

    https://planner.royallondon.com/

  • 38 Lostpupp May 29, 2015, 1:21 pm

    Surprised I didn’t find the below:
    http://optimalrebalancing.tk/index.html

    As someone how hates selling, this helps me determine what to buy each year.

  • 39 bob May 29, 2015, 8:05 pm

    The “poopy pay calculator”

    Simply enter your hourly pay. Set the clock running, stop it when you return from the bathroom and calculate how much you’ve earned whilst on the John.

    The ultimate passive investment (s)tool

    http://www.workpoop.com

  • 40 The Accumulator May 29, 2015, 8:39 pm

    @ Barry, Bob and Lostpupp – thank you very much for those suggestions. All excellent. I’ll pop them in the list next time I update it.

  • 41 Jeff May 30, 2015, 8:49 am

    Thanks for another very useful post.

    Unfortunately the FT PE ratio data by country is only available to the end of 2014, as the FT stopped providing it after then. The data is also no longer in the print edition. A very sad piece of dumbing down -they print plenty of data about short term index movements, but nothing about valuation.
    Has anyone else found an alternative source of PE data fou each country?

  • 42 The Accumulator May 30, 2015, 10:46 am
  • 43 Retirement Investing Today May 30, 2015, 12:51 pm

    Along the same lines as FIRECalc but I find the crowd sourced cFIRESim very useful.

  • 44 boardgamer November 6, 2015, 7:35 pm

    Does anyone know of a portfolio tool that can handle stocks, OEICs, ETFs, Dimensional Funds, and PIBS/corporate bonds? I just want a basic tool that allows me to look up (easily, in one place) current prices of my holdings once a month. Every tool misses one or more of the above categories, and I’d like to get everything from a single lookup. (My current setup is Trustnet for Dimensional stuff, and Hargreaves Lansdown for everything else.)

  • 45 boardgamer November 7, 2015, 2:17 pm

    OK, to answer my own question, the Investors Chronicle portfolio tool (free registration required) seems to handle everything I’ve thrown at it.

  • 46 The Accumulator November 7, 2015, 3:55 pm

    Thanks for the tip-off boardgamer. I use Morningstar’s equivalent: http://www.morningstar.co.uk/uk/portfoliomanager/portfolio.aspx

  • 47 boardgamer November 7, 2015, 7:49 pm

    Yes I tried Morningstar first, but they couldn’t handle PIBS. They were fine for everything else!

  • 48 BicycleBob January 22, 2016, 10:23 pm

    Finametrica – I couldn’t find a free assessment (for an end user) at the link given. However, I discovered you can get free access at http://www.money-guidance.co.uk/risk-assessment
    Good way of saving £20!
    On a separate point,what does anyone think of Money-Guide and their Money Hub tool?

  • 49 The Accumulator January 24, 2016, 1:53 pm

    Thanks Bicycle Bob. Looks like Finametrica have ended the direct freebies so thank you for the new link.

    I haven’t tried Money Hub. I must admit I’m a bit wary of giving up my passwords to these tools. Have you tried it?

  • 50 Nick April 19, 2016, 12:04 pm

    This is a great list! One gripe: it misses out the calculator that I’ve recently created myself, after several years of development:
    http://evolvemyretirement.com

    The big difference with this one is that it differentiates between what’s within your control and what’s not, and optimises the choices within your control using. It combines a lot of the features of other calculators behind the scenes, but basically it aims to streamline your spending budget in the face of uncertainty of investment returns and longevity.

  • 51 Andrew July 14, 2016, 3:18 pm

    Thank you for the list!
    I like to use this dividend tax calculator from Goodcalculators which is free and allows you to discover how much income tax you will be paying with the input of your current salary and the annual dividend payments that you make:
    http://goodcalculators.com/dividend-tax-calculator/

  • 52 The Accumulator July 17, 2016, 6:54 pm

    Thanks, Andrew. I’ll take a look at this and put it on the list next time it gets updated.

  • 53 Alex P August 15, 2017, 8:32 am

    Calculate the cost of fees with this superb one from the ft http://ig.ft.com/sites/isa-calculator/

  • 54 Liam September 9, 2017, 11:49 am

    Hi there,

    I’ve recently set up an ISA account with cavendish online. To track my portfolio I decided to use the Morningstar portfolio tracker linked above. What this flagged up to me was that although when I set my account up I put £1000 in, the funds purchased actually add up to £999.54, including the dealing charge I had to pay for the uk all share tracker of 0.20%. My question is what’s happened to the 46p? I can’t find it on the cavendish / fidelity site, but they’ve definitely taken a round number from my bank account. This also slightly messes up the tracking as I’m unsure how to adjust Morningstar to show me as having spent £1000?

    Thanks

  • 55 Fery October 18, 2017, 8:29 am

    Great list that can help you with your finances. There is this one as well, with a totally unique user interface to help calculate the UK tax and national insurance: https://www.income-tax.co.uk/

  • 56 Richard June 13, 2019, 8:57 am
  • 57 W October 6, 2020, 8:45 pm

    FYI these links (all in the section Investing – asset allocation) look like they’ve either changed or now give errors:
    Asset allocation historical returns – https://www.vanguardinvestor.co.uk/#Asset
    Historical rate of return by asset class – http://www.fintelapps.com/uploads/2/6/1/4/2614106/historical_rate_of_return_by_asset_class.swf
    Best performers – https://citywire.co.uk/funds-insider/asset-class/equities/h31#RankModel=TotalReturns&TimePeriod=12
    Asset correlation matrix – http://www.assetcorrelation.com/majors

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