Average cost, dividends, fair value and taxes β the numbers that actually drive investment decisions.
The numbers are the part of investing most often handled by gut feel. What your average cost really becomes after averaging down, what a dividend leaves you after tax, whether a price is expensive relative to earnings, and what selling will cost you β getting those four right meaningfully improves decisions. These tools do the arithmetic for you.
Run your own life as a listed company and watch the share price react to your choices.
Work out your average cost per share after averaging down or up, plus the breakeven price and the move needed to recover.
Estimate transaction tax, capital gains tax and net realised profit on domestic and overseas share sales.
A turn-based card-draft roguelike about running a ten-stage stock manipulation operation and managing its risk.
A neumorphic simulator that prices your life story as though it were going public.
A satirical simulator of trading by hope alone β for stocks and crypto alike.
A tongue-in-cheek diagnosis of how much your portfolio has broken your mental composure.
Calculate gross and after-tax dividend income, dividend yield and yield on cost from your holdings.
Estimate fair value from EPS, BPS, sector P/E and ROE, then compare it against the current market price.
Average cost is total money invested divided by total shares. A common misconception is that adding a little to a halved position pulls the average down sharply; in reality it moves in proportion to the money added. Buy 100 shares at 10,000 then 100 more at 5,000 and your average is 7,500 β still a 50% rally away from breakeven. Averaging down is not a loss-reduction technique, it is a decision to increase exposure to one name.
Dividend yield is dividend per share divided by price. What reaches your account is the after-tax figure. Domestic dividends are withheld at source including local income tax, while foreign dividends are first withheld abroad and then reconciled at home. Also treat an unusually high yield with suspicion β it is often the artefact of a collapsing share price, so check the payout ratio and the durability of earnings.
P/E divides price by earnings per share, telling you the multiple of earnings being paid. P/B divides price by book value per share. High ROE with low P/B is a classic screen for relative undervaluation. Normal ranges differ enormously by sector, though β a growth company on 30x and a bank on 6x cannot be judged by the same yardstick. Always compare within a sector and against the company's own history.
Selling domestic shares incurs a transaction tax, gains on foreign shares are subject to capital gains tax after an annual deduction, and dividends are taxed at source. Rates and thresholds change with tax reform, so every rate in these calculators is editable. Always verify the current rules before filing.
It lowers your average price but not the money already lost, and it raises the amount at risk in that one position. Add only after answering whether your view of the business still holds.
No. P/E also looks low when earnings were temporarily inflated or when the market expects them to fall. Judge it against sector peers, the company's own history and the quality of its earnings.
It depends why the yield is high. A yield inflated by a collapsing price can be a warning, and a payout ratio stretched beyond earnings often precedes a dividend cut.
Defaults reflect commonly cited figures, but tax law changes often. Every rate is editable β confirm the current rate with the tax authority or your broker before filing.
No. These calculators and notes are educational reference only and never a recommendation to buy or sell any security.