About Caspenda

Most investing calculators make you sign up, hide the result behind a button click, or bury the assumptions in fine print. Caspenda is the opposite: open the page, see the number, and know exactly where it came from.

What Caspenda is

Caspenda is a free educational website providing simple financial calculators and investing tools — compound interest, dollar-cost averaging, savings goals, retirement, investment return, loan payments and more. Everything runs in your browser: no sign-up, no login, no collection of calculator inputs, and every formula is published for anyone to check.

What Caspenda is not

Caspenda is not a brokerage, an advisory service or a news outlet. It does not provide personalized financial advice, investment recommendations or brokerage services, and we don't sell financial products. Results are hypothetical and for educational purposes only — they are not a guarantee of future returns.

Why "Caspenda"?

Caspenda is a coined word — built from the sound of "compound" and "pending": money that waits, and while it waits, grows. We made the name up on purpose. A name with no history lets us give it one: that time, not timing, is the most powerful thing you invest.

The math of wealth

Before you use a calculator, it helps to understand what it's really showing you. Here is the short version of how wealth grows:

• Compounding is the engine. Your returns start earning returns of their own. Small amounts, given enough time, grow into large amounts — and the curve isn't a straight line, it accelerates.
• Time beats timing. The single most powerful thing you can invest is time. Starting earlier with less money almost always beats starting later with more.
• Consistency is what you control. You can't control the market — but you can control how much you put in and how often. A steady, automated monthly contribution is the most reliable lever you have.
• The last years are the biggest. Most of your growth happens near the end of the curve. That's not a bug, it's how compounding works — and why the early years can feel slow.

Our calculators exist to show you this math with your own numbers: how much of the result is your money, how much is growth, and how it stacks up year by year.

Our principles

• Transparent. Every calculation explains its assumptions. If you can't see the math, you shouldn't trust the result — see our Methodology.
• Private. Calculations run locally in your browser. Your numbers never leave your device.
• Independent. No brokerage account is required. No sign-up, no login, no forms.
• Educational. Results are hypothetical and should not be treated as financial advice.

About Oliver Brooks

Oliver Brooks founded Caspenda after nine years working as a software engineer. He now runs an e-commerce business and has been investing for 19 years.

At Caspenda, he explains the math behind financial decisions using worked examples, stated assumptions, and links to original sources. The articles are educational and do not provide personal financial advice.

The site stays independent: no brokerage affiliations or products to sell. You can review the calculator methodology, data sources, and editorial policy.

What's next

We started with compound interest, dollar-cost averaging and DCA vs lump sum, and have grown into thirteen tools — savings goals, retirement, net worth, portfolio growth, loan payments, inflation, ETF fee comparison, FIRE planning and more. We keep adding calculators and plain-English guides based on what people actually use, always with the same rules: open, transparent and private. Want a quick tour of what you can do here? See what you get from Caspenda.

More tools from Caspenda

Need to organise downloaded statements or other documents? Our companion Caspenda PDF tools let you merge PDFs or split PDF pages in your browser. Supported tasks process document contents on your device. See the PDF privacy page for details.

Contact

Questions, feedback, or a tool you'd like to see? We read everything — reach us at [email protected].