Free Investing Calculators — Compound Growth, SIP, CAGR & Options Income

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🧮 Investing Tools
Run the numbers
before you invest
Simple, honest calculators to help you plan your investing journey — compound growth, monthly investing, withdrawal planning, and more.
Monthly Investing Calculator
See how regular monthly contributions grow over time through compound returns.
Monthly Investment $500
$
Annual Return Rate 10%
%
Starting Lump Sum $0
$
Optional one-time deposit on day 1. Set $0 if not using.
Time Period 20 years
yrs
Projected Outcome
Total Value
$378,016
Total Invested
$120,000
Gains from Compounding
$258,016
215% return on investment
How your money breaks down
Invested
32%
Growth
68%
Portfolio Growth Over Time
For illustrative purposes only. Returns are not guaranteed. Actual market returns vary and may be higher or lower than the assumed rate. Always do your own research before investing. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
Looking to learn more about this setup? Learn More →
Lump Sum Calculator
See how a one-time investment grows over time with compound returns.
Investment Amount $10,000
$
Annual Return Rate 10%
%
Time Period 20 years
yrs
Projected Outcome
Future Value
$67,275
Initial Investment
$10,000
Total Gain
$57,275
573% return on investment
Principal vs Growth
Principal
15%
Growth
85%
Value Growth Over Time
For illustrative purposes only. Returns are not guaranteed. Actual market returns vary significantly. Past performance does not predict future results. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
Looking to learn more about this setup? Learn More →
Goal Planner
How much do you need to invest monthly to reach a specific goal?
Target Amount $500,000
$
Annual Return Rate 10%
%
Time to Goal 20 years
yrs
What You Need to Invest
Monthly Contribution Needed
$662
To reach your goal
Total You'll Invest
$158,832
Gained from Markets
$341,168
68% of your goal comes from compounding
Monthly Contribution Needed vs Time
For illustrative purposes only. Returns are not guaranteed. Assumes consistent monthly contributions and a fixed annual return rate. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
Looking to learn more about this setup? Learn More →
Withdrawal Planner
How long will your portfolio last if you withdraw a fixed amount each month?
Starting Portfolio Value $500,000
$
Monthly Withdrawal $2,000
$
Annual Return Rate 7%
%
Portfolio Longevity
Portfolio Lasts
Indefinitely
Your returns exceed withdrawals
Total Withdrawn
$240,000+
Annual Withdrawal Rate
4.8%
The 4% rule is a common safe withdrawal guideline
Portfolio Balance Over Time
For illustrative purposes only. Withdrawal sustainability depends on market returns, inflation, and actual portfolio performance. Consult a financial advisor for retirement planning. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment — or find out what a position is worth at a given CAGR.
Initial Investment $10,000
$
Final Value $50,000
$
Years Held 10 years
yrs
Result
Compound Annual Growth Rate
17.46%
Total Return
400%
Gain
$40,000
Over 10 years
CAGR shows smoothed annual return and does not reflect year-to-year volatility. For illustrative purposes only. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
Covered Call Income Calculator
Estimate monthly and annual income from selling covered calls on your stock positions.
Number of Shares 100
Current Stock Price $50
$
Premium per Share $1.50
$
Contracts per Month 1
1 contract = 100 shares
Income Estimate
Monthly Premium Income
$150
Annual Income Projection
$1,800
Yield on Position
36%
Position value: $5,000
Monthly vs Annual
Monthly
$150
Annual
$1,800
Cumulative Income Over 12 Months
Options involve risk. This calculator assumes consistent monthly contracts at the same premium — actual premiums vary with volatility, time to expiry, and strike selection. Not financial advice. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
🇨🇦 RESP Calculator ADVANCED
Automatically calculates CESG and CLB government grants based on your child's date of birth. Enter your contribution plan to see projected growth by age 18.
📋 Your RESP Details
Enter your child's info — grants calculate automatically
Child Information
Child's Date of Birth Age: —
Used to calculate grant eligibility. CESG grant room accumulates every year age 0–17. Catch-up grants available for missed years.
Contribution Schedule
Add one or more periods with different amounts & frequencies — e.g. high contributions early, then lower later.
Periods run in order. $2,500/yr per period gets full $500 grant. Lifetime max $50,000. Tip: on phone, tap the month/year header in the calendar to jump to any year.
Add lump sum contribution?
One-time deposit at account opening
Lump Sum Amount
$
Applied in year 1 alongside your regular contribution. Both count toward the lifetime $50,000 limit.
Eligible for Canada Learning Bond (CLB)?
Low-income families — up to $2,000, no contribution needed
Growth Assumptions
Annual Return Rate 10%
%
Projected Outcome at Age 18
Total Portfolio Value
$—
When your child is ready for post-secondary
Your Contributions
$—
Govt. Grants (CESG + CLB)
$—
CESG + CLB grants
Investment Growth
$—
Compounding returns
Total Invested
$—
Before market growth
🏛️ Government Grants Tracker
Canada Education Savings Grant (CESG)
Projected total CESG received $—
Lifetime CESG limit $7,200
Remaining CESG available $—
0% of lifetime grant used $7,200 max
Total govt. grants projected $—
Contribution limit used —
of $50,000 lifetime limit $50,000 max
Growth Over Time
Contributions
Grants
Portfolio Value
Year-by-Year Breakdown
Scroll to see all years
Year Age Your Contribution CESG Grant Year Total Balance (End of Year) Growth (Cumulative)
📋 RESP Grant Rules Reference Show / Hide
Annual CESG Grant
20% of $2,500
$500/yr max per child
Lifetime CESG Max
$7,200
Total govt. grants ever
Grant Cutoff
Age 17
CESG room stops Dec 31 of year child turns 17
Contribution Limit
$50,000
Lifetime per beneficiary
Catch-Up Grants
$1,000/yr
Contribute $5,000 to use prior unused room
Account Closes By
35 yrs after opening
Dec 31 of the 35th year
For illustrative and educational purposes only. RESP rules, grant amounts, and eligibility may change. Results assume contributions at the start of each year and a fixed annual return rate. Actual returns will vary. Enhanced CESG grants based on family income are not included. Consult a financial advisor for personalized RESP advice. Punjabi Finance and Rattan Amol Singh do not guarantee the accuracy of these projections and accept no responsibility or liability for financial decisions made based on this calculator. This tool does not constitute financial, tax, or legal advice.
Looking to learn more about this setup? Learn More →
See how I apply this in my real portfolio I share every covered call, position sizing decision, and trade in real time — with full reasoning. Members see the numbers behind the numbers.
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