Portfolio Growth Calculator

Model how your investments grow over time — with real market variability, not just smooth averages

Step One
Your Numbers
1Portfolio Setup
$50,000
$
20 yrs
$500/mo
$
Advanced Settings
%
%
2Pick an Index or Portfolio

Select what you're investing in. The number shown is the historical average annual return.

Step Two
Return Mode
3How Should Returns Behave? Variable Returns
📏 Flat Rate — Simple & CleanUses the same average return every single year. Classic approach — use as your baseline, then switch modes to see how variability changes your outcome.
Your Results
Projection Summary
Projected Portfolio Value
after 20 years

Enter your information above to see your personalized projection.

4Your Results
📋 Year-by-Year Breakdown
💡 Hover any row for details. Green = up years, red = down years. 5-year marks are bolded.