Investment growth & retirement planner

Plan how your money can grow, fund retirement, and last longer.

Combine your current portfolio, cash deployment, monthly income investing, and retirement withdrawals into one simple projection.

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Planner inputs

Enter your portfolio, cash deployment, monthly investments, and retirement assumptions in one flow. Nothing is hidden behind tabs.

1. Existing portfolio

Current portfolio value Your investment portfolio value today. Use current market value, not original cost. Expected annual growth rate before retirement (%) Average yearly return you expect while still accumulating. 12% is aggressive; 7–10% is more conservative.

2. Projection horizon

Show growth projection for How far into the future the main projected value card should show.

3. Cash available now

Cash you want to invest Money currently sitting in cash, savings, deposits, or bank accounts that you may invest. Lump sum investment (%) Percentage of your available cash invested immediately. DCA gradually (%) Percentage of your available cash invested slowly over the selected DCA period. DCA period How many months you want to spread the DCA portion across.

4. Monthly investing from income

Monthly investment amount How much you plan to invest from salary or income every month, separate from existing cash. Yearly increase in monthly investment (%) Use this if you expect your monthly investing amount to increase as income grows. Expected annual growth rate for new investments (%) Expected return for both lump sum and DCA investments before retirement. 12% is aggressive; use a lower number for conservative estimates.

5. Retirement timing

Current age Your age today. This is used to calculate how many years you have before withdrawals start. Start withdrawals at age The age when you expect to retire or start using your portfolio for expenses. Show projection until age The age until which you want to test whether the portfolio lasts.

6. Withdrawal assumptions

Annual withdrawal amount How much you expect to spend from the portfolio every year after retirement. Withdrawal increase / inflation (%) How much your yearly spending grows each year. Use 0 if you want to ignore inflation. Expected portfolio return during retirement (%) Return on the remaining portfolio after retirement. This return is applied first, then the withdrawal is deducted. 4–6% is usually more realistic than 12% here.

Results dashboard

Review projected wealth, cash deployment, withdrawal rate, and portfolio longevity.

Projected value 0 After selected projection period

At withdrawal age 0 Portfolio before withdrawals

Withdrawal rate 0% Starting annual withdrawal / portfolio

Portfolio runway — Based on withdrawal assumptions

Portfolio growth

Estimated accumulation before withdrawals.

Retirement drawdown

Estimated balance after yearly withdrawals begin.

Enter your assumptions and click Calculate plan.

This dashboard is for educational and personal planning purposes only. It is not financial, tax, legal, or investment advice. Projections are simplified and depend heavily on assumptions. Verify with a qualified financial advisor before making important decisions.