Model portfolios with weights, costs, taxes, and inflation. Review net returns across multiple asset classes. See projected wealth and real purchasing power clearly today.
| Asset | Weight % | Expected Return % | Fee % | Tax % |
|---|---|---|---|---|
| US Stocks | 35 | 9.00 | 0.12 | 15 |
| International | 15 | 8.20 | 0.18 | 15 |
| Bonds | 25 | 4.80 | 0.10 | 12 |
| REITs | 10 | 7.10 | 0.25 | 18 |
| Cash | 5 | 3.00 | 0.05 | 5 |
| Alternatives | 10 | 6.50 | 0.75 | 20 |
Example setup: initial value 100,000, annual contribution 12,000, projection 10 years, inflation 2.50%, contributions at year end.
Weighted gross return = Σ (normalized asset weight × expected return).
Weighted fee drag = Σ (normalized asset weight × annual fee).
Weighted tax drag = Σ (normalized asset weight × max(expected return − fee, 0) × tax rate).
Net nominal return = weighted gross return − weighted fee drag − weighted tax drag.
Real return = ((1 + net nominal return) ÷ (1 + inflation rate)) − 1.
Future value = initial portfolio growth + future value of yearly contributions, adjusted for contribution timing.
It estimates portfolio return from your asset mix, then subtracts fees and tax drag. It also projects future value and inflation-adjusted value over your selected time horizon.
No. The calculator automatically normalizes weights when the total differs from 100%. It still shows your entered total so you can catch input mistakes quickly.
Separating them shows how much return disappears from costs versus taxes. This makes it easier to compare fund choices, account types, and tax-efficient allocation strategies.
Real return adjusts nominal performance for inflation. It reflects purchasing power growth instead of headline growth, which is often more useful for retirement and long-term planning.
The tool applies tax drag only to positive post-fee gains for each asset. It is a planning estimate, not a replacement for account-specific tax advice.
Yes. You can enter negative expected returns for stress testing. That helps model bear markets, conservative forecasts, or downside scenarios across specific asset classes.
Beginning-of-year contributions compound for longer than end-of-year contributions. Choosing the right timing gives a more realistic estimate of future portfolio value.
Export when you want to document planning assumptions, compare scenarios, or share a portfolio estimate with a client, partner, or adviser.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.