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SimpleReturns helps long-term investors understand returns, cash flow, and compounding through simple calculators and clear explanations.

Use fast, transparent calculators to plan compounding, estimate FIRE targets, and track progress on a single lightweight website.

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Start Here (Framework Path)

Use the same onboarding flow as the Blog Start Here section.

  1. Investment Planning Framework: 13 Components for Beginner Investors.
  2. Investment Planning Framework #1: Purpose and Goals.
  3. Investment Planning Framework #2: Risk Profile.
  4. Investment Planning Framework #3: Cash Flow and Funding.
  5. Investment Planning Framework #4: Accounts and Tax.
  6. Investment Planning Framework #5: Asset Classes Explained.
  7. Investment Planning Framework #6: Investment Vehicles Explained.
  8. Investment Planning Framework #7: Investment Strategies and Styles.
  9. Investment Planning Framework #8: Portfolio Construction and Monitoring.
  10. Investment Planning Framework #9: How Investors Actually Evaluate Stocks.
  11. Investment Planning Framework #10: Trading and Operations.
  12. Investment Planning Framework #11: Macro and Market Monitors.

Trust and Scope

Educational content only. This site is built for planning clarity, not personalized investment advice.

About | Disclaimer | Sources and methodology

Compound / DCA Growth

When to use: Estimate long-run growth from monthly investing and starting balance.

Launch tool

FIRE Target

When to use: Convert annual expenses and SWR assumptions into a target nest egg.

Launch tool

SWR Spending

When to use: Estimate annual and monthly spending from your current assets.

Launch tool

Coast FIRE

When to use: Check whether compounding alone could still reach your target by retirement age.

Launch tool

Money Checkup

When to use: Compare income and net worth percentiles with transparent source context.

Open Money Checkup

FIRE Tracker

When to use: Track progress timeline with local browser-only storage and scenario testing.

Open FIRE Tracker

Blog Guides

When to use: Learn beginner concepts before changing allocation or contribution plans.

Read the blog

FAQ

Where should beginners start?

Start with the framework path above, then test one calculator scenario at a time.

Are these calculators personalized advice?

No. They are educational planning tools with transparent assumptions.

How often should I revisit my plan?

A common rhythm is monthly for cash flow and quarterly for allocation or risk updates.