Arsenal.finance: Free Financial Tools & Live Market Data
Global Markets
Real-time prices. Auto-refreshes every 60 seconds.
| Index | Price | 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 % | CAGR | |||
|---|---|---|---|---|---|---|
| 1Y | 5Y | 10Y | Max | |||
| 🥇 XAU Gold | - | - | - | - | - | - |
| 🥈 XAG Silver | - | - | - | - | - | - |
| 🛢️ WTI Crude oil | - | - | - | - | - | - |
| Ticker | Price | 1D % | CAGR | |||
|---|---|---|---|---|---|---|
| 1Y | 5Y | 10Y | Max | |||
| ₿ BTC Bitcoin | - | - | - | - | - | - |
| Ξ ETH Ethereum | - | - | - | - | - | - |
| Class | Yield | Spread vs 10Y |
|---|---|---|
| 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 | - | - | - |
| 🇨🇭 CH Switzerland | - | - | - |
| 🇪🇸 ES Spain | - | - | - |
| 🇰🇷 KR South Korea | - | - | - |
| 🇨🇳 CN China | - | - | - |
| 🇮🇳 IN India | - | - | - |
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 inspired by Ray Dalio's macro regime model. Classifies the current environment from live FRED data and shows which asset classes historically perform best.
Framework: Ray Dalio, Bridgewater Associates
Recession Risk Calculator
Probability of a US economic recession (GDP contraction + rising unemployment, the kind the NBER officially declares) over the next 12 months. Weighted blend of 7 macro leading indicators — hit rate shown next to each so you can see which ones have actually worked. For market-drawdown risk (stock prices falling, not the economy contracting) see the separate Crash Risk tool.
Crash Risk Calculator
Probability of a major US stock-market drawdown (20%+) ahead. Weighted blend of 6 strictly-leading indicators — each one moves BEFORE drawdowns, never with or after them. Three short-lead stress signals (HY credit spread, 10Y−2Y yield curve, NFCI financial conditions) and three long-lead valuation signals (CAPE, EY spread, dividend yield). Hit rate shown next to each so you can see which ones have actually worked. For US economic-recession risk (GDP / unemployment) see the separate Recession Risk tool.
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 | 1W | 1M | 3M | 6M | 1Y |
|---|---|---|---|---|---|
| Loading... | |||||
| Currency | 1W | 1M | 3M | 6M | 1Y |
|---|---|---|---|---|---|
| Loading... | |||||
| 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.
Top Stocks
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).
Top Fixed Income
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.
Top REITs
Compare the top 25 REITs and REIT ETFs (by total return since inception) on risk and return.
Top ETFs
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 Updated yearly
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) |
|---|
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 % |
|---|
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 Updated yearly
Annualized total returns (geometric mean) for every major asset class, 1930s through 2020s. 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 an open collection of financial tools, live market data, and original research. Everything is meticulously built from scratch.
// Why
To give retail investors institutional-grade tools without the institutional price tag, and help them make substantially smarter financial decisions in the process.
// About me, Luis Nunez
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
Most people should own the market and skip the stock picking, market timing, and price predictions. The data backs this up. Unless you work inside a company, you have no real insight into what's happening there. The only traders I've seen make money consistently are insiders. Everyone else might have a good couple of years before ending up roughly where they started. Beating the market over a long horizon is rare enough to qualify as a statistical anomaly.
Rare is not impossible however. And picking stocks, trading events, calling tops and bottoms is genuinely fun, part of why we're here in the first place. So I advocate for a hybrid approach: split your portfolio disproportionately in two. A core portfolio that holds the majority of your money and lets you sleep at night, and a betting portfolio that lets you age without the regret of missing the trade you were sure about.
Having witnessed firsthand the decline of Venezuela, once a rich and prosperous country, it shouldn't be a surprise that I'm more a fan of Smith, Friedman and Hayek than Keynes. 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 also 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 nothing. That's prosperity at scale.
// 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. 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.