Opportunity Cost Calculator (Leverage, Inflation, Tax)
Enter principal, P/L, holding period, margin APR and custom costs to compare your outcome with a risk-free path. Get CAGR, alpha, inflation-adjusted purchasing power and the catch-up rate.
Opportunity Cost Calculator
Note: Tax is applied only if P/L is positive; minor fees are excluded; risk-free and inflation are user-adjustable.
Overview
Ending Value (net of costs/tax)--
Risk-free Ending Value--
Difference vs. Risk-free--
Real Purchasing Power (inflation-adjusted)--
Annualized Comparison
Your CAGR--
Risk-free CAGR--
Alpha (CAGR − RF)--
Outperformance Multiple (CAGR/RF)--
Notes
--
Cost Breakdown
Financing Cost--
Estimated Tax--
Catch-up Analysis
Annualized Return Needed to Catch Up--
Meta
Years (converted)--
Leverage (borrow/principal)--
FAQs
What is this calculator for?
It shows you how much you really keep after all the costs, not just the headline profit.
What's the point of running the calculation?
To remind you that interest, tax and inflation eat into returns. If you’re using leverage, it helps you see if it’s really worth it.
What should I use for the risk-free rate?
Normally people use government bond yields. For US stocks, look at US Treasuries; for HK stocks, use a local proxy rate.
What fits under "Other Custom Costs"?
Basically anything you want to. Things like broker fees, platform charges, subscriptions, or FX costs. Just enter the total, it’s deducted automatically.
How is tax applied here?
Tax is only added when you have profits. It’s based on the annual tax rate you enter, adjusted for the holding period.
How is margin cost calculated?
Loan amount × annual rate × days used/365. Simple interest, nothing fancy.
What do CAGR and alpha mean?
CAGR is your average yearly return. Alpha is how much you beat (or trail) the risk-free rate.
Privacy & data Policy
All calculations run in your browser.
Your inputs are not uploaded or stored and nothing is written to our server database. Closing or refreshing the page clears your entries (aside from your browser’s own autofill). For educational use only–not investment advice.