What this calculator shows you
- All-in-One View
- See 401(k), IRA, stocks, bonds, crypto, and savings together
- Custom Categories
- Add, remove, or customize investment categories
- Individual Returns
- Set different expected returns for each investment type
- Flexible Timeline
- Project from 0 to 50 years with easy slider control
Why Project All Investments Together?
Most people have money spread across multiple accounts: 401(k)s, IRAs, brokerage accounts, savings, and maybe crypto. Seeing them all together with their expected growth gives you the complete picture of your financial future and helps with planning.
Setting Realistic Return Expectations
Different investments have different expected returns. Stocks historically return 7-10%, bonds 3-5%, savings depends on your bank's current APY, and crypto is highly variable. Setting appropriate rates for each category gives you a more accurate projection.
The Power of Diversification
Having investments across different asset classes reduces risk while still capturing growth. Your 401(k) and IRA provide tax advantages, brokerage accounts offer flexibility, and savings provide stability and liquidity.
Questions people ask
What return rate should I use for stocks?
Historically, the stock market has returned about 7-10% annually before inflation. For conservative planning, use 7%. For more optimistic projections, use 8-10%. Remember that past performance doesn't guarantee future results.
Should I include my emergency fund?
Yes! While emergency funds grow slowly, they're still part of your net worth. Include them as "Cash Savings" with a return rate matching your high-yield savings account (check your current APY).
How accurate are these projections?
These projections assume consistent returns, which doesn't happen in reality. Markets fluctuate. Use these as planning tools to see the potential outcome of your savings habits, not as guarantees.
Education only, not personalized financial, tax or investment advice. Results are estimates based on the numbers you enter; real returns vary and losses happen.