Investment Settings

$
$
%
20 years

Estimated Total

0 $

Total Principal

0

Total Profit

0

Project Your Portfolio Growth | Investment Simulator

Model your financial future by calculating how monthly contributions, starting capital, and compound interest build wealth over time.

💡 How It Works

Stop guessing and start modeling. This simulator visualizes the trajectory of your investments, highlighting the "compounding gap" between your total contributions (principal) and your final portfolio value. See exactly how time and consistency transform modest monthly savings into significant capital.

📘 Pro Tips

  • Visualize Exponential Growth: Move the duration slider to the right. Notice how the growth curve steepens over time as your interest begins earning its own interest.
  • Account for Taxes: Toggle the "Apply Tax" switch to estimate your net position. The simulator applies a 20% baseline to capital gains, helping you plan for a more realistic "take-home" amount.
  • Stress-Test Your Strategy: Compare conservative (3–4%), moderate (6–7%), and aggressive (8–10%) annual returns to understand your risk-to-reward ratio.
  • Run "What-If" Scenarios: Adjust your monthly contributions in real-time. Even a $50 increase can result in a six-figure difference over a 30-year horizon.

🧐 Frequently Asked Questions

What interest rate should I use? For long-term planning in diversified index funds (like the S&P 500), many investors benchmark between 4% and 7%. Remember that market volatility means returns are never linear.

Does this account for inflation? This tool calculates nominal growth. To estimate your future "purchasing power," subtract an expected inflation rate (typically 2–3%) from your annual return percentage.

How accurate is the tax calculation? The simulator uses a flat 20% rate on profits as a general guide. Your actual liability will depend on your local tax laws and whether you use tax-advantaged accounts like a 401(k), IRA, or ISA.

📚 The Rule of 72

The "Rule of 72" is a quick mental shortcut to estimate when your money will double:

Divide 72 by your expected annual return. - At 6%, your money doubles in 12 years (72 ÷ 6). - At 10%, it takes only 7.2 years (72 ÷ 10).

This simulator performs the precise math behind this rule while factoring in your ongoing monthly contributions.