Show future portfolio value and how much of it you contributed.
The current portfolio and annual deposits compound annually, and the share of the final value that came from your own money is separated out. Separating growth from deposits shows compounding's real payoff and makes the case for starting earlier rather than later.
Portfolio Contribution
FV = value x (1+r)^years + contribution x ((1+r)^years - 1)/r
FV = value x (1+r)^years + contribution x ((1+r)^years - 1)/r The current portfolio and annual deposits compound annually, and the share of the final value that came from your own money is separated out.
Separating growth from deposits shows compounding's real payoff and makes the case for starting earlier rather than later.
This calculator takes 4 inputs: Current value, Annual contribution, Annual return, Years. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.