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Portfolio Growth Calculator

Project portfolio value forward with regular contributions and a compound growth rate.

About Portfolio Growth Calculator

The starting balance and the contribution stream are compounded separately: the balance as a lump sum, the contributions as an ordinary annuity. The final-year growth line shows how heavily compounding is back-loaded. In a long projection most of the final value comes from returns rather than contributions, and almost all of that arrives in the last third of the period.

Formula

Portfolio Growth

Future value = start × (1+i)ⁿ + contribution × ((1+i)ⁿ − 1) ÷ i, with i the monthly rate

i
Monthly return, the annual rate divided by twelve
n
Number of monthly periods

Worked example

With the default values below, Portfolio Growth Calculator returns Projected Portfolio Value of $659,065.66. Change any input above and every figure here is recalculated in your browser.

Inputs used

Starting portfolio valueminimum 0
60,000
Monthly contributionminimum 0
800
Expected annual returnaccepts -20–50 %
7 %
Years to projectaccepts 1–60 years
20 years

Results

Projected Portfolio Value
$659,065.66
Total Contributed
$252,000.00
Growth From Returns
$407,065.66
Share of Final Value From Returns
61.76%
Growth in the Final Year Alone
$44,077.62

Step by step

  1. 1Values used
  2. 2Portfolio Growth
  3. 3Projected Portfolio Value= 659,065.66
  4. 4Total Contributed= 252,000.00
  5. 5Growth From Returns= 407,065.66
  6. 6Share of Final Value From Returns= 61.76
  7. 7Growth in the Final Year Alone= 44,077.62

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

How is Portfolio Growth calculated?

Future value = start × (1+i)ⁿ + contribution × ((1+i)ⁿ − 1) ÷ i, with i the monthly rate The starting balance and the contribution stream are compounded separately: the balance as a lump sum, the contributions as an ordinary annuity. The final-year growth line shows how heavily compounding is back-loaded.

Why does Portfolio Growth matter?

In a long projection most of the final value comes from returns rather than contributions, and almost all of that arrives in the last third of the period.

What values do I need to enter?

This calculator takes 4 inputs: Starting portfolio value, Monthly contribution, Expected annual return, Years to project. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.

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