Investment Tracker
Portfolio Growth · Retirement Planning
Enter your accounts to begin

Investment Accounts

Account Current Balance Monthly Contribution
401(k) / 403(b)
$
$
Roth IRA
$
$
Traditional IRA
$
$
Taxable Brokerage
$
$
Other
$
$

Projection Assumptions

%
Historical S&P 500 avg ~10%; inflation-adjusted ~7%
%
Used to calculate real (purchasing power) values

Portfolio Today

Total Current Balance
$0
$0 / month contributed

Time Horizon

Quick scenarios
7% edit on Accounts tab

Growth Projection

Final Portfolio Value
$0
nominal
Growth Multiple
0×
on starting balance
Total Contributions
$0
deposits over period
Total Growth
$0
earnings

Retirement Settings

How long your portfolio needs to last after retiring
Uses return rate and inflation rate set on the Accounts tab.

Retirement Projection

Enter your current age to see your retirement projection.

Lump Sum & Mortgage

$
Money you could invest today or send straight to the mortgage
%
Paying down principal "earns" this rate, guaranteed and tax-free
Years invested before selling and paying down the mortgage

Investment Assumptions

%
Independent of the Accounts tab assumption
%
Federal capital gains + state; 0% inside tax-advantaged accounts
Uses smooth constant returns — real markets swing, and a fixed exit date right after a downturn can force selling low (sequence risk). Not financial advice.

The Verdict

Market return needed to beat the paydown
—
annualized, after 20% tax on gains
Pay Down Now
$0
guaranteed value at horizon
Invest, Then Pay Down
$0
after-tax
Advantage
$0
—