Interpreting projections
Markets do not deliver smooth returns; the constant-rate model shows direction and scale, not year-by-year reality. Stress-test optimism by lowering the expected return a few points.
Investment Calculator
Project portfolio growth from a starting balance, recurring investments and expected annual return.
Enter your details and press Calculate to see results.
Formula
Monthly compounding of initial capital plus end-of-month contributions
Example
$25,000 plus $500/month at 8% for 20 years → about $394,000 future value from ~$145,000 invested.
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Frequently asked questions
What return should I assume?
Historically, diversified stock portfolios averaged around 7% real (after inflation). Conservative planning often uses 4–6% nominal for mixed portfolios.
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