Monverdo · Free Tools

Financial calculators for personal investors

Honest, private tools that run entirely in your browser. No sign-up, nothing sent anywhere. Each one does a single job properly.

The honest return on your investments, with contributions stripped out.

Money-weighted vs time-weighted return. Is the gap large enough to act on?

The day-weighted return: what professionals use when there's no valuation at every cash-flow date.

Your real net worth: assets, debts, and the figure in between.

Split offshore returns between investments, currency and what’s between, so you know what earned.

Your wealth in rand and dollar, consolidated honestly, including how much of it rides on the exchange rate.

What a bonus, a raise, or selling shares actually costs you in tax, and how much you keep.

Project your tax-free savings against a taxed account, and see what the wrapper is really worth.

Retirement annuity or tax-free savings first? Compare both after tax, on your own assumptions.

Calculate your estimated estate duty, and the capital gains tax that death also triggers.