How Much $100,000 Grows in 20 Years (Realistic Scenarios)
Concrete math across conservative, moderate, and aggressive portfolios — no guesswork, just the numbers.
Read article →Investment Growth Calculator
Model investment portfolio growth with recurring contributions.
Understanding This Calculator
See how a diversified investment portfolio grows over time with regular monthly contributions. Perfect for modeling long-term brokerage account growth.
Core Formula
FV = PV × (1 + r)^n + PMT × [((1+r)^n - 1) / r]
What return should I assume?
Most planners use 6-8% nominal returns for diversified equities over long horizons, with 4-5% for conservative portfolios.
Should I model inflation?
Yes. To get real purchasing power, subtract 2-3% from your nominal return to account for historical inflation.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.
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