ETF Portfolio Simulator

Use this calculator to compare simple ETF portfolio mixes and see how different allocations may influence growth over time. It is useful when you want to understand the trade-off between more growth potential and more stability. It is still important to sense-check the result against your own risk comfort, not just the projected ending value.

Stocks allocation %Bonds allocation %Stocks return %Bonds return %

Advanced

All-in annual drag % (fees)Tax drag %/year (approx)Contribution increase %/year

Annual contributionYears

Yearly breakdown (CSV)

Assumptions

Uses a blended expected return (stocks%×return + bonds%×return).
Constant return compounded monthly; no volatility, correlation, or rebalancing effects.
Net return is approximated as (return − drag − tax drag). If you set contribution growth, monthly contributions increase once per year.
Does not include taxes, broker fees, or ETF TER.