Investment growth calculator
Model your personal brokerage account, your workplace 401(k) and an IRA side by side.
Personal investing inputs
Starting point
Your starting balance is split using the percentages in Allocation.
Contributions
Allocation
Split your money across up to four funds. Start from a ready-made mix or set your own percentages; they always add up to 100%. Returns are long-run historical averages after each fund's expense ratio, not a forecast. Pick Custom fund to try your own numbers.
Choose Custom mix above to change the funds or percentages.
Advanced options
In a regular account, dividends are taxed every year, even when reinvested. Pick the rate that fits you: 0% Lower income 15% Most people, and Puerto Rico 20% High income Other Your own rate, such as one with state tax A rough estimate, not tax advice. The tax is paid from outside the portfolio, so your balance stays before tax.
Personal investing results
Portfolio value
$0
Enter a starting balance or a contribution and your Personal chart will appear here.
See graphs
401(k) inputs
Starting point
Include any employer match you have already received. The employer match shown here only counts new contributions from now on.
Contributions
Plan settings
Most Puerto Rico plans cap your contributions at $15,000 a year. "PR dual" is for plans qualified in both Puerto Rico and the U.S. that adopted the higher $22,500 limit, which equals $15,000 plus the Puerto Rico IRA limit. Ask HR which one yours is. From age 50 a catch-up is added on top.
Diversified 401(k) plans have historically returned around 5-8% a year; 7% is a commonly cited long-run average.
401(k) results
Portfolio value
$0
Enter a starting balance or a contribution and your 401(k) chart will appear here. Until then your 401(k) is left out of the combined total.
See graphs
401(k) growth
IRA inputs
Starting point
Contributions
Allocation
Choose Custom mix above to change the funds or percentages.
IRA results
Portfolio value
$0
Enter a starting balance or a contribution amount and your IRA chart will appear here. Until then your IRA is left out of the combined total.
See graphs
IRA growth
How to use this calculator
- Start with Applies to all accounts: your current age, the age you plan to retire, and your salary.
- Open the tab for each account you have: Personal investing for a regular brokerage account, 401(k) for your workplace plan, and IRA.
- Pick a fund or a mix of funds. In the Personal tab's Advanced options you can also choose whether dividends are reinvested.
- Read the combined results: the total across all your accounts, what that money would buy in today's dollars, and the monthly income it could give you in retirement. Point at or tap a bar to see each part.
Common questions
What yearly return should I assume?
The calculator starts each fund at its long-run historical return, after the fund's fees. The Funds page lists the figure for each one. Many planners use a more cautious 6% to 7% for long-range estimates. Try both and plan around the lower number.
Does it work for Puerto Rico retirement plans?
Yes. The 401(k) tab has contribution limit choices for Puerto Rico plans, including the higher limit for dual-qualified plans, plus the catch-up from age 50. Ask HR which one your plan uses; the note under the limit explains the difference.
Are taxes included?
No. Results are before taxes. Money in a 401(k) or traditional IRA is taxed when you withdraw it, and dividends in a regular brokerage account are taxed each year. The one exception is the "Tax on dividends" setting in the Personal tab's Advanced options, which shows that yearly dividend tax as a line on the Dividend payout chart without changing your balance.
Is my information saved or shared?
Your numbers stay in your browser. Nothing you enter is sent to a server, and you can clear it with Reset all inputs to defaults. Copy share link puts your numbers inside the link itself, so only the people you send it to can see them.