Tools that show their working.

Each calculator applies a standard formula — compound growth, annuity or present-value arithmetic, for example — to the inputs and assumptions you set. Every assumption, such as the return rate or inflation, is visible and editable, and results update as you change them. Each tool explains its method. The calculators do arithmetic; they don’t know the future, so their results are illustrations, not forecasts.

They are hypothetical inputs — an expected return, an inflation rate, a step-up percentage — used to show how the arithmetic works. They are not predictions, recommendations or promises. CompoundX sets sensible starting values, and you can change every one of them to test different scenarios. Market-linked investments involve risk, and actual returns can be higher, lower or negative.

No. A calculator shows what would happen if the assumptions you entered held exactly — a steady return every year, for example. Real returns vary from year to year and can be negative, costs and taxes reduce outcomes, and your own contributions may change. Use results to compare scenarios and to understand the effect of time, amount and return, not as an estimate of a specific future value.

Small differences in convention change the answer. Calculators differ in whether instalments are invested at the start or the end of each month, how an annual rate is converted to a monthly one, and whether results are shown before or after costs and inflation. CompoundX documents the conventions it uses in each tool’s method notes. When two calculators use the same assumptions and conventions, their results should match closely.

Yes. With an account you can save calculations, goals and your Wealth Map and return to them from your dashboard. Many tools can also create a shareable link to a result. Shared links include the inputs and results only — never personal details such as your name, email address or phone number.

The Wealth Lab takes you through six short steps — about you, cash flow, assets, liabilities, protection and goals — and builds a Wealth Map: net worth, savings rate, debt-to-income, emergency-fund months, allocation, goal funding and protection observations. Its indicator bars summarise your inputs using a published methodology. They are not a credit score, a risk profile or a suitability assessment.

You can enter your mutual fund holdings manually or upload them using our CSV or XLSX template. Portfolio X-Ray then shows allocation, category mix, fund house and fund concentration, and overlap where the underlying data exists. It does not read consolidated account statement (CAS) files, and it never fills gaps with made-up holdings — where data isn’t available, it says so.