Portfolio Growth Calculator
Project your investment portfolio growth over time with contributions and compound returns.
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Frequently Asked Questions
What is a realistic portfolio return to expect?
Historical averages: US stock market (S&P 500) 10% nominal, 7% inflation-adjusted over long periods. Diversified global stock portfolio 8-9% nominal. 60/40 stock-bond portfolio 7-8% nominal. Conservative bond portfolio 4-5%. These are long-term averages with significant year-to-year volatility. Never count on consistent returns — actual results vary considerably from any average.
How much do monthly contributions matter vs initial investment?
For long time horizons, consistent monthly contributions often matter more than initial lump sum. $1,000/month for 30 years at 8% return grows to $1.5M regardless of starting balance. Starting with $50,000 extra only adds $503,000 at 8% over 30 years. For shorter horizons, the initial investment matters relatively more. Both matter — maximize both when possible.
How does inflation affect long-term portfolio value?
Inflation at 3% cuts the purchasing power of your portfolio roughly in half every 24 years. A $1M portfolio in 24 years only buys what $500,000 buys today at 3% inflation. This is why equity investments that historically outpace inflation are essential for long-term goals. Bonds and CDs often barely keep pace with inflation after taxes.