Based on over two decades of teaching personal investing and working with thousands of individual investors we realize that most people do not have a good grasp of their current financial situation or of their financial goals. Without this vital information people were essentially investing "in the dark". To solve this problem we looked on the Web for tools that would enable our students to create an informed and coherent Financial and Investing Plan. We couldn't find the resources we were looking for so the NAOI Research Division developed them in the form of Web-based financial calculators and worksheets that you will find in this section of our Web site. 

This page is a gateway to the interactive resources you need to develop and document your current financial status and to develop a plan for reaching the financial goals you really want to achieve in life - not just the goals that an advisor tells you to expect based on your risk profile.

These calculators are available for free to individuals. Financial Organizations can license and re-brand them by contacting NAOI President Leland Hevner at for more information.

The NAOI Financial Planning Calculators

The NAOI calculators are listed below along with links to them. Documenting your financial status and setting goals is a critical component of a successful investing process. Using each of these calculators to create your unique Financial Profile and Investing Plan is a must for every successful investor.

Return Required to Reach Your Goals

The NAOI Return Required Calculator

This unique calculator enables you to set an amount of money that you want to have at a point in the future that you specify. It asks for your investing goal and several items of information. Then it shows you the average annual Rate of Return required of a portfolio to meet your goal. This rate of return will tell you if your goal is feasible or not. If not, you can change the calculator inputs until you arrive at a feasible number. NAOI Dynamic Investments, that are discussed on this site at this link, enable you to aim for goals that are significantly higher those provided by traditional portfolios designed by advisors today.

The Power of Compounding

The NAOI Savings Compounding Calculator

This calculator shows the incredible power of investment "compounding." By saving just a small amount of money on a regular basis you will be amazed at how much money you will have at the end of multiple years. This calculator allows you to enter an amount that you can save each month and an expected interest rate for these savings. It then shows you how much you will accumulate at different future time periods in the future if your account value is allowed to compound - i.e. if you don't withdraw money and all earnings are reinvested.

Wealth Accumulation

The NAOI Wealth Accumulation Calculator

This calculator gives you a feel for the factors that affect wealth accumulation and the amounts you can expect at multiple times in the future. You can change calculator inputs to see the affect on how your money accumulates. By varying inflation, return rate and your monthly deposit amount you will be able to see how the smallest change in any one variable is magnified significantly over periods of years.

Hidden Expenses

The NAOI Hidden Expense Calculator

This is the first of two calculators that will determine how much money you can contribute to your investing plan on a monthly basis. It will help you to identify those "Hidden Expenses" that don't come up every month and are often overlooked in a budgeting process. The results of this calculator will then become one input to the Cash Flow Calculator (see below) where you will document your more obvious monthly expenses and determine the amount of money you have available each month for reaching your investing goals.

Cash Flow and Money Available for Investing

The NAOI Cash Flow Calculator

Use this calculator to determine the amount of money you can devote to your investing plan on a monthly basis. The bottom line of the calculator shows the cash you have available at the end of each month after taking into account your income and expenses, including the Hidden Expenses from the calculator discussed just above. This is called your discretionary income. You may or may not wish to use all of your positive cash flow for investing purposes - that decision is yours. The amount you decide to dedicate to your investments is one input to the Return Required Calculator listed above and obviously the more you contribute to your Investing Plan on a regular basis, the more feasible your ultimate investing goal becomes.

Total Assets

The NAOI Total Assets Calculator

Use this calculator to document and determine the value of your Total Assets. The total from this calculator will be entered into the Liabilities and Net Worth Calculator discussed below.

Liabilities and Your Net Worth

The NAOI Net Worth Calculator

Use this calculator to determine your Net Worth. Start by entering the total from your Total Assets Worksheet. Then enter your Liabilities. Clicking the Calculate button will show your Total Liabilities and your Net Worth.

Your Investing Plan

Use your browser print function to produce a hardcopy of each of these calculators to document the inputs and results of each of the above calculators. Then put them together to create your complete NAOI Investing Plan. And keep in mind that this Plan will need to be changed periodically as your financial profile changes. So come back here and create a new plan when you get a job promotion, inherit some money, have an unexpected major expense, etc. You Investing Plan is a living document. Don't let it go stale.

You now have a Plan for meeting the financial goals you really want to achieve in life. Now, and only now, are you ready to invest! Continue your journey to financial independence with NAOI Education Resources.