What will your portfolio be worth? Find out.

Already invested and wondering where your portfolio could stand in a few years? With your current portfolio value, a monthly savings rate and an assumed return, you can estimate it surprisingly well. Try it below.

How the calculation works

The calculator combines two things: your capital already invested, which keeps working for you, and your ongoing contributions added month after month. Both grow at the assumed return – with compounding, meaning return on top of return. This is exactly what makes the curve rise more and more steeply over time.

An example from the calculator above: €10,000 in starting capital plus €200 per month grows to around €54,700 after 10 years at a 7% return. Of that, you only contributed €34,000 – the remaining €20,000-plus is pure compounding. After 20 years, the share added by returns would already exceed your own contributions.

What return is realistic?

Nobody knows the future, so it is best to work with scenarios rather than a single number:

• 4% – cautious. A defensive assumption that keeps you from overestimating. Useful to check whether your goal is reachable even in a weaker case.
• 7% – realistic. Roughly the long-term average return of broadly diversified equity markets before inflation. A common baseline for ETF savings plans.
• 9% – optimistic. At the upper end of what was historically achievable long term. Useful as a best case, but not as a basis for planning.

Important: these are long-term averages. In any single year your portfolio can gain much more – or clearly lose. The projection shows a smoothed line; reality is a zigzag.

From estimate to real projection

The catch with any general calculator: you have to guess your return. You enter 7% because it is a common figure – but how has your portfolio actually performed? That is exactly where a real projection differs.

Rendito knows the real performance of your portfolio because your transactions and prices are already in the app. Instead of a guessed percentage, it calculates based on what your portfolio actually did – consolidated across all your brokers, not just a single account. That turns a rough estimate into a projection that matches your actual strategy.

This article is for general information only and does not constitute investment, tax or legal advice. Investments carry risk, up to total loss. Past performance is not a reliable indicator of future results.