Tools

Free, evidence-first calculators from By WoozKa. Educational tools, not financial advice.

Eleven free calculators and one interactive explainer for the questions that come up most often when you are managing your own money. No signup, no email gate, no cost — every tool runs in your browser and nothing you type is stored or sent anywhere.

Each one is built around a single decision, and each page explains the arithmetic behind the result so you can check the number yourself rather than trusting a black box. They are educational tools, not financial advice, and none of them predict the future — they make the trade-offs in a decision you are already facing visible.

The calculators

DCA vs. Lump-Sum Calculator

Compares investing a sum all at once against spreading it over time, showing the ending balance for each path plus the drawdown you would have sat through along the way.

Use it when: you have received a bonus, an inheritance, or a rollover and cannot decide whether to invest it now or feed it in gradually.

Compound Growth Calculator

Projects a starting balance plus regular contributions forward at an assumed annual return, separating how much of the ending balance came from your own deposits versus growth.

Use it when: you want to see whether your current savings rate actually reaches a target, and how much of the outcome depends on the return assumption rather than your contributions.

Stock Average-Down Calculator

Works out your blended cost basis across multiple purchases at different prices, and the price the position has to reach before you are back to break-even.

Use it when: a holding has fallen and you are deciding whether adding more genuinely improves your position or simply increases your exposure to a losing thesis.

Forex Position Size & Pip Calculator

Converts your account size, chosen risk percentage, and stop distance into a concrete lot size, so position size follows from your risk limit instead of a round number you picked.

Use it when: you know where your stop belongs but not how large the trade should be — the single most common cause of oversized losses.

Crypto Profit Calculator

Calculates gross and net profit on a crypto position with entry and exit fees applied on both sides, which is where headline returns and realized returns tend to diverge.

Use it when: you want the number after costs rather than the one before them, especially on shorter holds where fees eat a meaningful share of the move.

Portfolio Tracker

A straightforward way to record holdings and see allocation across positions, so concentration is visible rather than something you discover during a drawdown.

Use it when: you hold more than a handful of positions and are no longer certain what share of the portfolio any one of them represents.

Compound & DCA Growth Schedule

Runs a starting balance plus regular contributions year by year, and marks the crossover year where cumulative growth first overtakes everything you have paid in.

Use it when: you want to see when compounding starts doing more work than your own saving, rather than only the ending balance.

Position Size Calculator

Turns account equity, a risk percentage and a stop-loss into a share count for stocks and ETFs, so the size follows from the stop instead of a round number.

Use it when: you know where your stop belongs but not how many shares to buy — the stock-market counterpart to the forex tool above.

Risk of Ruin Simulator

Solves the probability that a run of losses drags an account down to a chosen drawdown, from your win rate, payoff ratio and risk per trade.

Use it when: you want to see how much your risk-per-trade setting, rather than your win rate, is driving your chance of blowing up.

Risk / Reward Ratio Calculator

Converts an entry, a stop and a target into a reward-to-risk ratio, plus the breakeven win rate that ratio has to clear before it makes money.

Use it when: a setup looks attractive on the chart and you want to know what hit rate it actually requires.

Trade Expectancy Calculator

Combines win rate with average win and average loss into expectancy per trade, profit factor, and the expected result across a run of trades.

Use it when: you have a record of results and want the one number that says whether trading the strategy more often helps or hurts.

Interactive explainers

Economic Cycles Explorer

Twelve short lessons on why an economy moves in cycles rather than a straight line, built around credit — with the four phases, the yield-curve shapes side by side, and a quiz at the end to check what actually stuck. The page also carries compiled reference tables: every U.S. recession since 1929 with its duration and peak unemployment, the expansions that ran between them, and the Fed’s policy-rate cycles from 1979 to 2023.

Use it when: the headlines are full of yield curves, rate cuts and recession talk, and you want the mechanism underneath rather than the commentary on top of it.

What the methodology sections cover

Every tool page includes a “how this is calculated” section, and the part worth reading is not the formula — it is the assumptions underneath it. Compounding frequency, whether costs and taxes are counted, what the tool holds constant while you vary a single input: that is where calculators usually mislead, and spelling it out is the reason the section exists.

None of these tools pull live market prices. Every figure comes from the numbers you type in, which makes each result a scenario rather than a quote. That is a deliberate limit rather than a missing feature — a calculator that quietly blends your assumptions with a live feed produces a number that neither of you can explain a month later.

How to get the most out of them

A calculator answers exactly the question you ask it, which is also its limitation. The compound growth tool will faithfully project a 12% annual return for thirty years if you type that in; it has no view on whether 12% is a reasonable assumption. The most useful habit is to run every calculation twice — once with the numbers you hope for, once with numbers you would find uncomfortable — and pay attention to how far apart the two answers sit. A plan that only works under the optimistic input is not a plan.

Returns entered as a steady annual figure also hide the path. Real markets deliver that average through years that are sharply negative, and the drawdown is what causes people to abandon an otherwise sound strategy at the worst moment. If you want the reasoning behind these tools rather than just the outputs, drawdown explained and how to automate your investing cover the two ideas that matter most here.