Portfolio Growth Calculator
Project how your portfolio could grow with rising contributions, an inflation-adjusted real value, and a full year-by-year table.
Portfolio Growth Calculator
A practical long-term planning tool. Enter a starting amount, a monthly contribution, an expected annual return, and a time horizon, then add an annual contribution increase or an inflation adjustment to see your value in today's dollars. It shows your projected balance, total contributions, growth, and a year-by-year breakdown. Every figure is your own assumption and hypothetical, it fetches no live data, and everything stays in your browser.
These results are hypothetical and not a promise of any outcome. The US stock market has historically averaged roughly 7 to 10 percent a year over long periods before inflation, but any single year can look very different. Past performance does not predict future results.
Of your projected $691,150, about $190,000 is money you put in and $501,150 is growth on top. Time and a steady return are the biggest drivers, and every figure here is hypothetical.
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| 1 | $16K | $919 | $17K |
| 2 | $22K | $2.3K | $24K |
| 3 | $28K | $4.3K | $32K |
| 4 | $34K | $6.8K | $41K |
| 5 | $40K | $10.0K | $50K |
| 6 | $46K | $14K | $60K |
| 7 | $52K | $18K | $70K |
| 8 | $58K | $24K | $82K |
| 9 | $64K | $30K | $94K |
| 10 | $70K | $37K | $107K |
| 11 | $76K | $45K | $121K |
| 12 | $82K | $53K | $135K |
| 13 | $88K | $63K | $151K |
| 14 | $94K | $75K | $169K |
| 15 | $100K | $87K | $187K |
| 16 | $106K | $101K | $207K |
| 17 | $112K | $116K | $228K |
| 18 | $118K | $132K | $250K |
| 19 | $124K | $151K | $275K |
| 20 | $130K | $171K | $301K |
| 21 | $136K | $193K | $329K |
| 22 | $142K | $217K | $359K |
| 23 | $148K | $243K | $391K |
| 24 | $154K | $271K | $425K |
| 25 | $160K | $302K | $462K |
| 26 | $166K | $336K | $502K |
| 27 | $172K | $372K | $544K |
| 28 | $178K | $412K | $590K |
| 29 | $184K | $455K | $639K |
| 30 | $190K | $501K | $691K |
Growth ended up larger than everything you contributed. Over a long horizon, compounding tends to do more of the work than the deposits themselves.
A long time horizon is the biggest lever here. The more years your money compounds, the more the later years tend to add.
Want a simpler starting point? Compound Interest Calculator
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.
Planning for the long term? Build the foundation with the free 7-step money guide.