What financial tools are available on WhatIfInvested?

You can use our Investment Simulator, DCA Calculator, Lump Sum vs DCA Tool, and Budget Planner for free online with no login required.

Are the tools on WhatIfInvested really free?

Yes, all tools are completely free to use and do not require an account or sign-up.

Yes, the 'Lump Sum vs DCA' tool lets you simulate both strategies using historical market data to compare outcomes.

Free Investment & Budget Tools | WhatIfInvested

Discover our powerful collection of free online financial tools to improve your investing, budgeting, and decision-making — no sign-up required.

Simulate historical investment returns using real market data. Great for testing portfolio allocations and long-term strategies.

Dollar-cost averaging vs lump sum investing: see which strategy performs better based on market history.

Create a smart monthly budget, control your expenses, and reach your savings goals with our simple visual planner.

Visualize how lump sum investments compare to DCA during bull, bear, and sideways markets.

Try our Premium DCA Calculator for portfolio backtesting, auto-rebalancing, and historical simulation on up to 4 portfolios.

No account minimums, commission-free investing, and a $25 welcome bonus for Canadian users.