Compoundfolio
Investment growth calculator
Model your personal brokerage account, your workplace 401(k) and an IRA side by side.
Applies to all accounts
These are typical starting numbers for a U.S. worker. Replace them with your own.
Starting point
Your starting balance is split using the percentages in Allocation.
Contributions
Allocation
Advanced options
Total return includes dividends and is after the fund's expense ratio, which published fund returns already include. These are long-run historical averages, not a forecast. To try your own numbers, pick Custom fund. The 401(k) tab has its own expected return.
Portfolio value
$0
Starting balance
$0
Your contributions
$0
Investment growth
$0
Invested value
$0
Cash (not reinvested)
$0
Estimated annual dividend payout by fund
Notes and sources
Starting point
Contributions
Plan settings
Most Puerto Rico plans cap your contributions at $15,000 a year. "PR dual" means a dual-qualified plan with a higher limit, which drops to $22,500 if you also contribute to an IRA. 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.
Portfolio value
$0
Starting balance
$0
Your contributions
$0
Employer match
$0
Total contributions
$0
Investment growth
$0
401(k) growth
Notes and sources
Starting point
Contributions
Account
Allocation
Portfolio value
$0
Starting balance
$0
Your contributions
$0
Investment growth
$0
Enter a starting balance or a contribution amount and your IRA chart will appear here.