Arsenal.finance: Free Financial Tools & Live Market Data
Global Markets
Real-time prices. Auto-refreshes every 60 seconds.
| Index | Price | 1D $⇆ | 1D %⇆ | CAGR (price only) | |||
|---|---|---|---|---|---|---|---|
| 1Y | 5Y | 10Y | Max | ||||
| 🇺🇸 United States | |||||||
| 🇺🇸 SPX S&P 500 | - | - | - | - | - | - | - |
| 🇺🇸 NDX Nasdaq 100 | - | - | - | - | - | - | - |
| 🌐 Global | |||||||
| 🌐 ACWI MSCI All-Country | - | - | - | - | - | - | - |
| 🇪🇺 Europe | |||||||
| 🇪🇺 VGK FTSE Europe | - | - | - | - | - | - | - |
| 🌏 Asia | |||||||
| 🇯🇵 EWJ Japan | - | - | - | - | - | - | - |
| 🇨🇳 MCHI China MSCI | - | - | - | - | - | - | - |
| 🌍 Emerging Markets | |||||||
| 🌍 EEM MSCI Emerging | - | - | - | - | - | - | - |
| Ticker | Price | 1D $⇆ | 1D %⇆ | CAGR | |||
|---|---|---|---|---|---|---|---|
| 1Y | 5Y | 10Y | Max | ||||
| 🥇 XAU Gold | - | - | - | - | - | - | - |
| 🥈 XAG Silver | - | - | - | - | - | - | - |
| 🛢️ WTI Crude oil | - | - | - | - | - | - | - |
| Ticker | Price | 1D $⇆ | 1D %⇆ | CAGR | |||
|---|---|---|---|---|---|---|---|
| 1Y | 5Y | 10Y | Max | ||||
| ₿ BTC Bitcoin | - | - | - | - | - | - | - |
| Ξ ETH Ethereum | - | - | - | - | - | - | - |
| Class | Yield | Spread |
|---|---|---|
| UST 10Y US Treasury benchmark | - | - |
| TIPS 10Y real yield (inflation-adj) | - | real |
| AAA AAA corporate | - | - |
| AA AA corporate | - | - |
| A A corporate | - | - |
| BBB BBB corporate | - | - |
| BB BB high yield | - | - |
| B B high yield | - | - |
| CCC CCC & below (junk) | - | - |
| EM Emerging markets | - | - |
| Country | 10Y yield | Avg CPI (10Y) | Real yield |
|---|---|---|---|
| 🇺🇸 US United States | - | - | - |
| 🇩🇪 DE Germany | - | - | - |
| 🇬🇧 GB United Kingdom | - | - | - |
| 🇯🇵 JP Japan | - | - | - |
| 🇨🇦 CA Canada | - | - | - |
| 🇫🇷 FR France | - | - | - |
| 🇮🇹 IT Italy | - | - | - |
| 🇦🇺 AU Australia | - | - | - |
US Economy
Growth, inflation, employment, rates, government debt, trade balance, and deficit - live from FRED.
Global Economy
GDP share by country and global economic indicators. (FX pairs moved to the dedicated Foreign Exchange page.)
US Real Estate Tracker
Home prices, housing activity, and mortgage rates from FRED. CRE cap rates from industry estimates.
| Sector | Cap rate | 10Y Avg | Spread vs 10Y Tsy |
|---|---|---|---|
| Indus Industrial | - | - | - |
| Multi Multifamily | - | - | - |
| Office Office | - | - | - |
| Retail Retail | - | - | - |
| Hotel Hospitality | - | - | - |
Portfolio Backtester
Pick any stocks or ETFs, set weights, pick a time horizon (preset or custom years), and backtest against the S&P 500. Toggle dividend reinvestment on or off.
Economic Regime Detector
Growth × inflation framework based on Ray Dalio's macroeconomic regime model. Classifies the current environment from live FRED data and shows which asset classes historically perform best.
Framework: Ray Dalio, Bridgewater Associates
Goldilocks growth up + inflation down · Reflation growth up + inflation up · Deflation growth down + inflation down · Stagflation growth down + inflation up
| Regime | Winners | Losers |
|---|---|---|
| Goldilocks | Equities, credit, growth stocks | Gold, commodities, cash |
| Reflation | Commodities, value, TIPS, EM | Long-duration bonds |
| Deflation | Treasuries, cash, quality bonds | Equities, commodities, credit |
| Stagflation | Gold, TIPS, commodities, cash | Equities, long bonds, credit |
Two regime-rotation strategies vs passive S&P 500. Perfect foresight assumes you know next quarter's GDP & CPI - impossible, but shows the ceiling. Proxy rotation uses the yield curve (10Y - 3M > 0 = growth) and lagged CPI - data you'd actually have in real time.
Recession Risk Calculator
Live US recession probability from 7 leading indicators. Each indicator's hit rate is shown so you can see which ones actually work.
Compound Interest
Change any value and the rest adjust automatically. Edit the final balance to solve backwards for the initial investment.
| Year | Annual Contribution | Cumulative Contributions | Cumulative Interest | Annual Interest | Balance |
|---|
Mortgage Calculator
Compare loan terms, see amortization schedules, and calculate savings from extra payments.
| Year | Month | Payment | Principal | Interest | Balance | Home equity | Home value | Unreal. appr. | Total equity |
|---|
Buy vs Rent Property Calculator
Should you buy a home or rent the same place and invest the difference? Plug in real numbers for one specific property and see who comes out ahead, year by year.
| Year | Sally cost/yr | Jack cost/yr | Sally's loan equity | Sally's appreciation | Sally's investments | Sally total NW | Jack total NW | Who wins |
|---|
Buy vs Lease Car Calculator
Donald pays cash, Frank finances, Nancy rolls leases — all on identical income, savings, and hold period. Each one invests whatever income is left over after their own car payments and expenses every month; ending net worth = portfolio + car equity.
| Year | Donald net worth | Frank net worth | Nancy net worth | Donald spent | Frank spent | Nancy spent |
|---|
Foreign Exchange
Live currency conversion, historical charts for major pairs, and cross rates.
| Currency | Rate (per 1 USD) | Inverse (USD per 1) |
|---|
Stock Screener
Filter the largest US stocks by valuation, profitability, growth, dividend, leverage, and risk. Click any column header to sort.
Stock Picker
Compare the top 25 US stocks (by total return since inception, across major sectors) on risk and return metrics.
Stock Analyzer
Type any US stock ticker for a full equity research report: DCF, comps, ratio analysis, management, risks, and a conviction price target. Stocks only — not for ETFs, mutual funds, or closed-end funds (use the Portfolio Backtester for those).
Fixed Income Picker
Compare the top 25 fixed-income products (by total return since inception, within each category) on yields, risk metrics, and tax efficiency across treasuries, munis, corporates, REITs, and dividend equities.
REIT Picker
Compare the top 25 REITs and REIT ETFs (by total return since inception) on risk and return.
ETF Picker
Compare the top ETFs across 10 categories — ranked by long-run CAGR (net of fees), with filters for size, age, and expense ratio.
Asset Correlations
Normal-period averages (~2010–2025) vs crash periods (GFC, COVID, 2022 bear). Plus longest-term matrix using maximum overlapping data.
The AI Race
Country and company scorecards on the eight metrics that define the AI race: compute, models, training flops, investment, chips, patents, talent, and data-center power.
| Country | Private $ | Models | Talent | Patents | DC capacity | DC power |
|---|
| Lab | Country | Flagship model | Training FLOPs | Log10(FLOPs) |
|---|
Epoch AI — Notable Models database (refreshed monthly): model counts, training compute estimates.
IEA — Electricity 2024, Data Centres chapter: national electricity consumption by data centers.
Synergy Research Group (2024 quarterly press releases): hyperscale data-center capacity.
WIPO (2024): global AI patent filings by country.
MacroPolo — Global AI Talent Tracker (2023): top-tier researcher distribution.
Caveats: compute and chip data are estimates — labs and chipmakers rarely disclose exact numbers. All figures are static snapshots, not live. Update cadence is roughly annual (next refresh: AI Index Report 2026, April 2026).
Killer Portfolios
A library of famous, backtested portfolio strategies anyone can copy with a few ETFs. All data is approximate and based on historical returns - past performance is not a guarantee of future results.
| Portfolio | CAGR | Max drawdown | Sharpe | Best year | Worst year | Stocks % |
|---|
Free Excel Models
Downloadable financial models. No email required.
AI Prompts for Finance
Copy-paste prompts for ChatGPT, Claude, Copilot.
Articles
Original research and analysis by Luis Nunez. Also available on Substack for email delivery.
Gold as a Crisis Asset
War, inflation, Fed cycles - since 1971.
Asset Class Returns by Decade
Annualized total returns (geometric mean) for every major asset class, 1930s through 2020s. Color-coded by magnitude: olive = strong positive, gold = modest positive, red = negative. Includes dividends and reinvestment where applicable.
| Decade | Stocks | Cash | Gov Bonds | Corp Bonds | Housing | REITs | Gold | Inflation |
|---|
Finance Dictionary
Search any finance term and get a clear, visual definition. Click any cross-referenced term inside a definition to jump straight to it.
// About this site
Arsenal.finance is a free, open collection of financial tools, live market data, and original research. Every tool is built from scratch. No templates, no paywalls, no email gates.
The goal is to give people a full arsenal of tools for making smarter financial decisions. Whether you're saving for retirement, analyzing a stock, comparing mortgage options, or just trying to understand how markets work, everything here is free and actually useful.
// About me - Luis Nunez
I'm a finance and data enthusiast based in Miami, originally from Venezuela. Contrarian by nature. I build financial tools, research macro trends, and obsess over portfolio construction, market cycles, and economic history. I love placing bets and taking risks. Perhaps a bit too much.
// Investment philosophy
I don't believe in stock picking. I don't believe in market timing. I don't believe anyone can consistently predict where prices are headed, and the data backs this up. Unless you work at a company, you have no real insight into what's happening inside it. The only traders I've seen make money consistently are insiders. Everyone else might have a good year or two but eventually ends up back where they started, or worse. Over a long enough time horizon, virtually no one has beaten the market after fees. The handful who have are statistical anomalies, not proof that it can be done reliably.
Picking stocks, trading events, calling tops and bottoms. It's fun, I get it, and I do it myself on the side. But fun and profitable are not the same thing. In the long run, the broad market wins. It always has.
Having witnessed firsthand the decline of Venezuela, once a rich and prosperous society, it should come as no surprise that I'm a Friedman guy, not a Keynesian. Free markets allocate capital better than central planners ever could. Monetary policy matters more than fiscal stimulus. Inflation is always and everywhere a monetary phenomenon. Government intervention usually creates more distortions than it solves.
I believe index funds are one of the greatest creators of prosperity in the world. They democratized wealth building. Before Vanguard launched the first index fund in 1976, investing was a game rigged for Wall Street insiders with high fees and information advantages. Today, anyone with $100 can own a slice of the 500 largest companies on earth for virtually zero cost. That's revolutionary. That's prosperity at scale.
My one exception to the no-stock-picking rule is Tesla, and I'll own that contradiction. Sometimes you just believe in something.
// Support
I do this because I enjoy it, at no cost to you, but I do incur moderate software and data costs. If you find my work useful, tips of any amount are appreciated.
// Contact
Collaborate, hire, or argue about cap rates.
// My portfolio
55% Nasdaq, 25% Tesla, 10% gold, 10% bitcoin. That's 80% of my portfolio. No regrets. Started in May 2020 (actually started earlier but let's call that period my learning curve and hit delete). You can do the math and see how I've done in the portfolio backtester.
The other 20% or so of my money goes into all kinds of crazy bets on prediction markets, options, individual stocks, anything that catches my eye.