Portfolio Growth Projection Calculator
Projected portfolio value at horizon.
Project portfolio value at horizon from current balance, contributions, and expected return. Shows projected value from the values you enter.
What this tool does
Enter current portfolio, monthly contribution, horizon, and expected return. The tool shows projected value.
Enter Values
Formula Used
Spotted something off?
Calculations, display, or translation — let us know.
Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
75,000 current + 500/month for 25 years at 7% return projects to about 834,000. Of that, 225,000 is contributions and 612,000 is growth. Over long horizons, compound growth typically delivers more than total contributions.
A worked example
Try the defaults: current portfolio of 75,000, monthly contribution of 500, horizon of 25, expected return of 7%. The tool returns 834,442.21. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.
What moves the number most
The result responds to Current Portfolio, Monthly Contribution, Horizon, and Expected Return. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.
The formula behind this
Future value of lump sum plus future value of monthly annuity. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.
Why investors run this
Most people's intuition for compounding is wrong — not because the math is hard, but because linear thinking doesn't account for curves. Running numbers through a calculator like this one is the cheapest way to recalibrate that intuition before making an irreversible decision about contribution rate, asset mix, or retirement age.
What this doesn't capture
Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.
Portfolio growth produces a future value based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Future value of lump sum plus future value of monthly annuity.
References
Frequently Asked Questions
Does this account for inflation?
What return to use?
Monthly vs annual contributions?
What if returns don't materialise?
Related Calculators
Compound Interest Calculator
Calculate compound interest growth on savings and investments with adjustable rates, time periods, and compounding frequency for accurate projections.
Wealth Building Rate Calculator
Calculate projected annual wealth growth from savings rate and expected investment returns. Shows projected wealth in 1 and 5 from the values you enter.
Asset Growth Projection Calculator
Project the future value of any asset compounding at a steady annual rate. Enter current value, growth rate, and years. Free and educational.
More Investing Calculators
Investing
100 Minus Age Asset Allocation Calculator
Calculate stock vs bond allocation using 100-minus-age rule. Shows stock and bond allocation percentages from the values you enter.
Investing
409A Valuation Impact Calculator
Calculate 409A valuation impact on stock option exercise and exit profits. Enter strike price and 409a fmv for an instant result.
Investing
Active vs Passive Investing Calculator
Compare active and passive investment strategies accounting for fees over long horizons. Enter initial investment to see difference and passive.
Investing
Hotel ADR Calculator
Calculate hotel ADR, RevPAR, and occupancy from revenue and rooms data. Enter room revenue and rooms sold total for an instant result.
Investing
After Repair Value (ARV) Calculator
Calculate real estate flip profit with ARV, repair costs, and the 70% rule check. Enter purchase price and after repair value arv for an instant result.
Investing
Agricultural Land Calculator
Calculate agricultural land investment IRR including lease income and appreciation. Enter land purchase price and lease rate for an instant result.
Explore Other Financial Tools
Mortgage
Mortgage vs Renting Calculator
Compare lifetime cost of buying with a mortgage against renting the equivalent property. Enter horizon to see total cost of each path.
Financial Health
Recession Reserve Calculator
Calculate cash reserve needed to weather a recession of your chosen length at your essential expense level. Enter essentials and see the result instantly.
Digital Nomad & Freelance
PeoplePerHour Income Calculator
Calculate net freelance platform earnings after platform and payment processing fees. Enter projects per month and project revenue for an instant result.