Investor Tool

Investment Scenario Calculator

Project future portfolio value, dividend income, monthly income, and total return forward from your own assumptions.

Investment Scenario Calculator

Enter an initial investment, optional monthly contributions, your expected annual price return, and a dividend yield to project future value, dividend income, monthly income, yield on cost, and total return. It combines price growth and dividends in one model. Every number is your own assumption, it fetches no live data, and the ticker field is a label only. Everything stays in your browser.

Example scenarios (illustrative assumptions, not forecasts. Everything stays editable.)

Ticker or asset name(optional, label only)

Used only to name your scenario. We do not fetch live prices or yields. Every number below is your assumption.

Initial Investment

Monthly Contribution(optional)

Years Invested

yrs

Annual Price Return

Dividend Yield(optional, annual)

Annual Dividend Growth(optional)

Dividend Frequency

Reinvest dividends (DRIP)?

Modeling dividends only? Use the Dividend Calculator. Looking at a single past buy and sell? Use the Stock Return Calculator.

Enter an initial investment (or a monthly contribution), the years invested, and your expected annual price return to project the scenario.

Assumptions this calculator makes

Price return: The expected annual price return is your assumption, not a forecast. US stocks have returned roughly 6% to 7% a year above inflation over the long run, with deep losses along the way. A constant return is a simplification, not how markets actually move.

Dividend yield: The yield, the payment frequency, and any dividend growth are all your assumptions. Real yields move with price and payouts, and companies can cut or suspend dividends at any time. Nothing here is guaranteed.

Reinvestment: With dividends reinvested (DRIP), each payout is assumed to buy more at the current value, so income compounds. Turn it off to see dividends taken as cash instead.

Not modeled: Taxes, fees, and inflation are left out, and the ticker field does not pull live data. Treat the output as a starting point for your own planning, not advice.

Common questions about investment scenarios

What does the investment scenario calculator do?

It projects a future portfolio value by combining two of your own assumptions, an annual price return and a dividend yield, with optional monthly contributions. It shows projected value, dividends, monthly income, yield on cost, and total return. It is a scenario tool, not a prediction.

How is it different from the other calculators?

The Compound Interest and Portfolio Growth tools focus on contributions and a single growth rate, the Dividend Calculator models dividends only, and the Stock Return Calculator measures one past buy and sell. This tool combines price growth and dividends in one forward-looking scenario.

Does it use live prices or real tickers?

No. The ticker or asset name field is a label only. The tool fetches no live data, every number is an assumption you enter, and nothing here is a quote or a recommendation.

What price return and yield should I use?

Those are your assumptions to test, not forecasts. A growth asset might pair a higher price return with no yield, while an income asset might pair a lower return with a higher yield. Changing either lets you compare the two.

Can the scenario show a loss?

Yes. If you enter a negative price return, the model shows a declining value, while any dividend assumption keeps paying. Markets do fall for stretches, so testing a down scenario can be useful.

Is this calculator financial advice?

No. The outputs are projections from the assumptions you enter, not predictions, and returns and yields are not guaranteed. It is educational and not financial advice.

These results are estimates, not predictions. They are based on the inputs you provide and assumed rates of return, which are not guaranteed. Real markets rise and fall every year. For educational purposes only, not financial advice.

From Money Masters

Want a clear plan for growing your money? Start with the free 7-step guide.

Free Guide