How the Portfolio Growth Calculator works
Project portfolio growth over time. Adjust the inputs above, then use the calculate button to generate a fresh estimate based on the numbers you entered.
The result is designed to give you a quick planning number, plus a short breakdown of the major figures behind it. You can reset the form at any time and try a different scenario.
When to use this calculator
Use this portfolio growth calculator to estimate how an investment portfolio may grow with ongoing contributions. It is useful for testing savings rates, return assumptions and long-term investment timelines.
Formula
Future portfolio value = current portfolio compounded over time plus compounded monthly contributions
- Current portfolio value is the starting balance.
- Monthly contribution is the recurring amount invested.
- Expected annual return is the assumed long-term growth rate.
- Years is the projection period.
Worked example
For a $50,000 portfolio, $750 monthly contributions, 7% expected annual return and 15 years, the calculator estimates future portfolio value.
Common mistakes
- Assuming a smooth return every year.
- Ignoring fees, taxes and inflation.
- Using one projection without testing lower-return scenarios.
FAQs
Is this different from the investment calculator?
It is similar, but framed around an existing portfolio balance and ongoing portfolio contributions.
Should I use nominal or real returns?
Use nominal returns for dollar projections, or lower real returns if you want to account for inflation.
Does asset allocation matter?
Yes. Your mix of investments affects risk and expected return.