ETF Growth Calculator
Wondering what $500/month into a low-cost index ETF might look like in 20 or 30 years? This calculator projects your portfolio with adjustable starting balance, monthly contributions, and return assumptions.
Use it when you're setting savings goals, comparing contribution amounts, or trying to explain compound growth to someone who thinks investing is only for rich people. Toggle pessimistic, realistic, and optimistic scenarios to see a range — not a guarantee, but a useful gut check.
$465K
Final balance
$160K
Contributed
$305K
Growth
2.9×
Multiplier on contributions
☕ Adding $5/day ($150/mo) would grow your portfolio to $587K — $122K more.
Growth over time
Portfolio grows from $10.0K to $465K over 25 years. Total value ends at $465K (25); Contributions ends at $160K (25)
Year-by-year breakdown
| Year | Balance | Contributed | Gains |
|---|---|---|---|
| 0 | $10.0K | $10.0K | $0 |
| 1 | $17.0K | $16.0K | $955 |
| 2 | $24.4K | $22.0K | $2,413 |
| 3 | $32.4K | $28.0K | $4,411 |
| 4 | $41.0K | $34.0K | $6,986 |
| 5 | $50.2K | $40.0K | $10.2K |
| 6 | $60.0K | $46.0K | $14.0K |
| 7 | $70.6K | $52.0K | $18.6K |
| 8 | $82.0K | $58.0K | $24.0K |
| 9 | $94.1K | $64.0K | $30.1K |
| 10 | $107K | $70.0K | $37.1K |
| 11 | $121K | $76.0K | $45.1K |
| 12 | $136K | $82.0K | $54.1K |
| 13 | $152K | $88.0K | $64.2K |
| 14 | $169K | $94.0K | $75.4K |
| 15 | $188K | $100K | $87.9K |
| 16 | $208K | $106K | $102K |
| 17 | $229K | $112K | $117K |
| 18 | $252K | $118K | $134K |
| 19 | $276K | $124K | $152K |
| 20 | $302K | $130K | $172K |
| 21 | $330K | $136K | $194K |
| 22 | $361K | $142K | $219K |
| 23 | $393K | $148K | $245K |
| 24 | $428K | $154K | $274K |
| 25 | $465K | $160K | $305K |
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These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.