Portfolio Growth Simulator

Visualize how your regular investments grow over the long term and compare different scenarios.

Portfolio Growth Simulator

This calculator is for informational purposes only. Results are estimates and may differ from actual values.

Long-Term Investment Guide

Consistency Is Key

Investing at regular intervals (DCA - Dollar Cost Averaging) rather than trying to time the market yields better results in the long run.

Increase Contributions

Increasing your monthly contribution annually in proportion to salary raises dramatically accelerates portfolio growth.

Be Patient

Compound returns grow slowly in early years and very fast in later years. Most of a 20-year portfolio is built in the last 5 years.

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Regular contributions (DCA) allow you to average out market fluctuations. You buy more units when the market is low and fewer when high. Over the long term, this strategy reduces timing risk.

If you increase your monthly contribution by 10% annually, after 20 years your portfolio can be about 40-60% larger compared to fixed contributions. This increase also helps you keep up with inflation.

It is recommended to use real (inflation-adjusted) returns. Stocks may provide 5-8% real return long-term, bonds 1-3%, deposits 0-2%. For a mixed portfolio, 5-7% real return is a reasonable estimate.

Calculate when you will reach financial independence based on savings rate and expected returns.

Subscription Cost Calculator

Calculate the monthly and yearly total of all your subscriptions and recurring expenses.

Expense Breakdown Analysis

Categorize your expenses, see percentage distribution, and compare with ideal ratios.

Salary Calculator

Calculate your net salary from gross with SSI, income tax, and stamp tax deductions.

Emergency Fund Calculator

Determine your emergency fund target based on monthly expenses and calculate how long it takes to reach it.

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