Free tools

Seven calculators I built because I needed them and kept getting the arithmetic wrong in my head. They run in your browser, make no network request, and there is no signup.

I earn nothing from this page

Options Profit Calculator

Profit and loss at expiry for calls, puts, spreads, covered calls and iron condors, with the payoff drawn out.

  • Payoff diagram and breakeven points
  • Probability of profit, and what that number does and does not mean
  • Multi-leg positions up to four legs
Open the options calculator

Futures Calculator

Tick values, profit and loss, and position size for 25 CME contracts, including eight micros.

  • Handles treasury 32nds and grain eighths, and shows what it parsed
  • Position size from a dollar risk and a stop distance
  • Every spec quoted from CME's own rulebook, linked per contract
Open the futures calculator

Dividend Calculator

Dividend reinvestment against taking the cash, year by year, with an income target.

  • Shares, not dollars: two growth rates applied the way a real account does
  • Yield on cost and a year-by-year table
  • How much you would need invested to live on the income
Open the dividend calculator

Stock Average Calculator

Average cost across every buy, and what it takes to pull the average down to a number you can live with.

  • Any number of lots, commissions included
  • Shares and cash needed to reach a target average
  • Where the money went, lot by lot
Open the stock average calculator

Margin Call Calculator

The price your broker calls you at, how far away it is, and what it costs to make the call go away.

  • Stocks on Reg T margin, with the FINRA minimum quoted from the rule
  • Futures on maintenance margin, in points against you
  • Built by someone who got six emails from the risk desk in two months
Open the margin call calculator

Net Worth Calculator

Everything you own minus everything you owe, three ways: headline, liquid, and the SEC’s accredited-investor version.

  • Primary residence and its mortgage handled the way the SEC guide does
  • Progress against the $1,000,000 net worth test
  • Makes no network request and stores nothing
Open the net worth calculator

Roth IRA Calculator

What a Roth grows to by retirement, and what it cost if you opened one, kept contributing, and never actually bought anything.

  • 2026 IRS contribution limits, flagged when you go over
  • Cash-drag mode on real VOO and VTI monthly returns, month by month
  • Makes no network request and stores nothing
Open the Roth IRA calculator

No account, no email, nothing gated. There are no affiliate links on this page and no broker or prop firm deals behind any of them. If that ever changes I will say so here first.

All seven are calculators, not advice. Verify contract specifications and margin requirements with your broker before you trade, and remember that a probability or a projection is a model output rather than a measurement.

If you want the reasoning