Move the sliders and watch the projection update. Compare two plans, work backward from a goal, or model a real ETF portfolio.
Everything updates live. Type directly into any value to go beyond the slider range.
Turn this on to compare a second plan against Scenario A on the same chart. Years and compounding frequency are shared.
The full schedule behind Scenario A.
| Year | Contributed | Interest | Balance |
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Know the balance you want? Solve for the monthly contribution or the rate of return it would take.
Pick up to five ETFs and set the split. The projection blends each fund's trailing 10-year return and shows a range around it.
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Trailing 10-year annualized total returns, dividends reinvested, as of mid-2026: VOO 15.5%, VTI 15.0%, QQQM 22.05% (derived from QQQ's 10-year history adjusted for QQQM's lower 0.15% fee, since QQQM launched in Oct 2020), VUG 17.9%, VTV 12.0%, SCHD 13.0%, IWM 11.0%, VXUS 9.4%, VT 12.8%, BND 1.6%, GLD 11.0%, VNQ 5.5%, ONEQ 18.4%, FTEC 21.9%, FDVV 13.4%, FREL 6.5%, FBND 2.5%. The past decade’s equity returns, especially in large-cap tech, ran well above long-run historical averages (~10%/yr for U.S. stocks since the 1920s) — treat the expected path as one possible outcome, not a forecast. Volatility figures are approximate annualized standard deviations and, because this blend is a simple weighted average rather than a correlation-aware model, likely overstate the swings a diversified portfolio would actually experience. On fees: the CAGR figures are real, after-fee returns, so the projection is not missing the fee and it is not double-subtracted. The “estimated fees paid” figure shows roughly how much larger the balance would be with no fund expenses at all, isolating the compounding cost of the fee.
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