Index Fund Tools
Free calculators for index investing and financial independence
Thirteen interactive tools — no sign-up, no ads, work offline. Understand compound growth and fees, decide your allocation, run the numbers on DCA vs. lump sum, and find out when you can live off your portfolio.
These tools are the free, country-agnostic companion to Fondos indexados, a Spanish-language book on index investing in Spain. The book itself — and 10 more tools covering Spanish tax rules — is only available in Spanish for now.
Thirteen tools, four steps
The same order a new investor actually needs them in: understand the terrain, decide your portfolio, execute the plan, and figure out when you can live off it.
1Understand
What time and fees actually do to your money.
3Execute
Put the plan in motion and keep it on track.
4Independence
When you can stop, and how much you can withdraw.
Why only 15 of the 22 tools are here
The other 7 — capital gains tax, tax-loss carryforwards, pension plans, a Spanish fund comparator — only make sense for someone filing taxes in Spain. Rebuilding them for a US/UK audience would mean inventing numbers instead of translating real ones, so they stay Spanish-only rather than becoming a worse, generic version of themselves.