Projected portfolio in 20 years
$320,943
Cash invested$130,000
Investment growth$190,943
Return on invested cash146.9%
Portfolio value vs invested cash
PortfolioInvested cash
$320,943$240,707$160,472$80,236$0
0y5y10y15y20y
Project investment growth, contributions, fees and return on invested cash
Results update as you type. Inputs are saved on this device.
Projected portfolio in 20 years
Project a lump sum plus recurring contributions at a chosen annual return. The result separates money contributed from market growth and subtracts annual investment fees so the return assumption stays visible.
The ending portfolio includes both deposits and modeled market growth. Return on invested cash is cumulative and should not be confused with the selected annualized return assumption.
Real markets are volatile and taxes, trading costs, sequence of returns and changing contributions are excluded. A smooth projection is not a promise of future performance.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
The calculator converts the expected annual return minus fees into an equivalent monthly rate, compounds the current balance and adds each monthly contribution.
Use a range rather than one forecast. A diversified stock-heavy portfolio may use a higher long-run assumption than a bond-heavy or short-term portfolio.
A small annual fee compounds for decades. The calculator models the fee as a direct reduction in the assumed annual return.
No. ROI here compares total growth with all cash invested; the annual return is the yearly compounding assumption.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.