About Evergreen Calc

Free, independent calculators for long-term investors.

Who we are

Evergreen Calc is an independent project that builds clear, fast calculators for people investing for the long term. We are not affiliated with any bank, brokerage, fund company or financial publisher, and no company pays to influence our calculators or their results.

How the calculators work

• All calculations run in your browser using standard financial formulas, which are shown on each page.
• The core math is covered by automated tests that check results against hand-worked examples.
• Results are projections based on the assumptions you enter. Real markets, rates and tax rules vary.

Key assumptions

• Dividend calculator: month-by-month simulation; dividend yield applied to the starting price; dividend per share grows once a year; share price grows evenly through the year; contributions are invested at the start of each month.
• Coast FIRE calculator: uses an inflation-adjusted (real) return via the Fisher equation, so all values are in today's dollars; FIRE number = spending ÷ withdrawal rate.
• CD calculator: maturity value = deposit × (1 + APY)^years; interest rates (APR) are converted to APY using the compounding frequency.
• Options profit calculator: profit and loss at expiration only (intrinsic value), 100 shares per contract, excluding commissions, assignment and dividends.

Corrections and feedback

Found an error or want a new calculator? Email hello@evergreencalc.com. We review and update every calculator page regularly; the “last reviewed” date is shown at the top of each page.