Model how your investment portfolio could grow over time. Factor in regular contributions, expected market returns, and see the impact of different strategies.
In Wealthos, these values come automatically from your added accounts, tracked income, expenses, and goals.
Wealth in 10 years
479k
Total saved
240k
Earned interest
+194k
Investments grow through a combination of price appreciation and reinvested dividends. When you invest in a diversified portfolio, your returns compound over time — meaning your gains earn their own gains. The longer you stay invested, the more powerful this effect becomes.
Dollar-cost averaging — investing a fixed amount regularly — smooths out market volatility and ensures you buy more shares when prices are low. Over time, this strategy often outperforms trying to time the market.
Different asset classes have different historical return profiles. Stocks have historically returned 8-10% annually, bonds 3-5%, and cash equivalents 1-3%. A balanced portfolio blends these based on your risk tolerance and time horizon.
This calculator projects your portfolio value by compounding your current balance at your chosen rate of return, then adding monthly contributions (income minus expenses) at the start of each month. Returns are compounded monthly, which closely mirrors how real investment accounts grow.
Starting with $25,000, contributing $2,000/month at 8% annual return: your portfolio reaches approximately $160,000 after 5 years, $370,000 after 10 years, and $1.15 million after 20 years. Of that $1.15M, only $505,000 is money you contributed — the rest is investment growth.
Model different scenarios by adjusting the return rate: use 5% for a conservative bond-heavy portfolio, 8% for a balanced portfolio, or 10% for an aggressive all-stock allocation.
Pay attention to the gap between the contribution line and the total balance line — that's your compound growth, and it accelerates dramatically in later years.
If you receive a windfall (bonus, inheritance, tax refund), try adding it to your starting amount to see how it compounds over your investment horizon.
Remember that real returns vary year to year. This calculator shows a smoothed average — actual results will fluctuate, but long-term averages tend to hold over 15+ year periods.