Portfolio Allocation Calculator
See how splitting your money across assets shapes your weighted expected return, concentration, and long-term growth after inflation.
What this calculator shows
Enter each asset's allocation and an expected annual return. It compounds each asset on its own and adds them together, so you can compare the blended return, the mix, and the inflation-adjusted outcome. Return figures are your assumptions, not forecasts.
Inputs
Adjust the portfolio and assets. Allocations must total 100% to see results.
Money already invested, split by allocation.
Added at the end of each month, split by allocation.
Investment time horizon.
Used to estimate purchasing power.
Assets
Share or bookmark this scenario.
Results
A whole-portfolio view of your assumptions: blended return, growth, and the real outcome after inflation.
Weighted expected return
8.4%
Blended assumption.
Final nominal value
$1,071,216
Before inflation.
Inflation-adjusted value
$510,695
Purchasing power today.
Total contributions
$190,000
Money invested.
Investment gains
$881,216
Growth earned.
Largest allocation
VOO
40% of portfolio
Expected return is not risk. This model does not simulate volatility, drawdowns, or sequence risk.
Allocation
How your portfolio is divided across assets.
Portfolio growth
Nominal value, purchasing power, and contributions over time.
Asset contribution over time
Each asset's projected value, stacked into the portfolio total. Without rebalancing, faster-growing assets take a larger share over time.
Allocation details
Each asset's share of the portfolio today and its projected value at year 30, compounded at the return you assumed for it.
| Asset | Category | Allocation | Expected return | Final value | Share of final |
|---|---|---|---|---|---|
| VOO | Stocks | 40% | 8% | $321,961 | 30.1% |
| QQQM | Growth | 20% | 10% | $241,183 | 22.5% |
| SCHD | Dividend | 20% | 7% | $132,170 | 12.3% |
| BTC | Bitcoin | 10% | 15% | $344,540 | 32.2% |
| Cash | Cash | 10% | 3% | $31,363 | 2.9% |
Insights
The mix matters as much as the returns. These notes explain the assumptions and trade-offs behind the numbers.
Weighted expected return
Your portfolio's weighted expected return is 8.4% under these assumptions. VOO contributes the most to that assumption.
Concentration
No single asset dominates. Your largest holding is VOO at 40%.
Inflation changes the story
Inflation reduces purchasing power by $560,522, about 52.3% of the nominal ending value.
Contributions vs growth
Your contributions are 17.7% of the final value. Growth makes up the rest.
You might also like
Portfolio Rebalancing Calculator
Compare your current mix against a target allocation and estimate what to buy or sell to rebalance.
Try the Portfolio Rebalancing CalculatorYear-by-year breakdown
How the whole portfolio's value, contributions, and inflation-adjusted value change each year.
| Year | Nominal value | Inflation-adjusted | Contributions | Gains |
|---|---|---|---|---|
| 1 | $17,067 | $16,651 | $16,000 | $1,067 |
| 2 | $24,739 | $23,547 | $22,000 | $2,739 |
| 3 | $33,072 | $30,710 | $28,000 | $5,072 |
| 4 | $42,130 | $38,168 | $34,000 | $8,130 |
| 5 | $51,984 | $45,947 | $40,000 | $11,984 |
| 6 | $62,712 | $54,076 | $46,000 | $16,712 |
| 7 | $74,400 | $62,590 | $52,000 | $22,400 |
| 8 | $87,144 | $71,523 | $58,000 | $29,144 |
| 9 | $101,049 | $80,913 | $64,000 | $37,049 |
| 10 | $116,234 | $90,802 | $70,000 | $46,234 |
| 11 | $132,831 | $101,236 | $76,000 | $56,831 |
| 12 | $150,984 | $112,265 | $82,000 | $68,984 |
| 13 | $170,857 | $123,943 | $88,000 | $82,857 |
| 14 | $192,630 | $136,330 | $94,000 | $98,630 |
| 15 | $216,506 | $149,490 | $100,000 | $116,506 |
| 16 | $242,710 | $163,495 | $106,000 | $136,710 |
| 17 | $271,494 | $178,424 | $112,000 | $159,494 |
| 18 | $303,140 | $194,363 | $118,000 | $185,140 |
| 19 | $337,963 | $211,405 | $124,000 | $213,963 |
| 20 | $376,318 | $229,656 | $130,000 | $246,318 |
| 21 | $418,601 | $249,229 | $136,000 | $282,601 |
| 22 | $465,256 | $270,251 | $142,000 | $323,256 |
| 23 | $516,784 | $292,860 | $148,000 | $368,784 |
| 24 | $573,745 | $317,210 | $154,000 | $419,745 |
| 25 | $636,773 | $343,469 | $160,000 | $476,773 |
| 26 | $706,577 | $371,826 | $166,000 | $540,577 |
| 27 | $783,961 | $402,485 | $172,000 | $611,961 |
| 28 | $869,827 | $435,677 | $178,000 | $691,827 |
| 29 | $965,195 | $471,653 | $184,000 | $781,195 |
| 30 | $1,071,216 | $510,695 | $190,000 | $881,216 |
How this calculator works
This is an educational model, not a forecast. It compounds each asset monthly at the return you assume for it, adds contributions at the end of each month, and discounts the result by inflation.
What asset allocation means
Allocation is how you divide your money across assets. The mix shapes both your expected return and how bumpy the ride can be.
What weighted return means
The weighted expected return is the average of each asset's assumed return, weighted by how much you hold of it.
Why diversification matters
A mix of assets behaves differently from any single holding. Spreading money out can soften the impact of one asset doing poorly.
Expected return is not guaranteed
Expected return is not risk. This model does not simulate volatility, drawdowns, or sequence risk, and it does not rebalance — so allocations drift over time. Real outcomes will differ.
Why inflation-adjusted results matter
A larger balance is not always more wealth. The inflation-adjusted value shows what your portfolio may be worth in today's purchasing power.
Keep learning:What is portfolio allocation?Why inflation matters
This is one of several educational models on Rionux. See how we model these projections across all our tools.
Related concepts
Keep exploring how allocation and risk fit together.
Frequently asked questions
Common questions about asset allocation, expected return, and diversification.
What is portfolio allocation?
Portfolio allocation (or asset allocation) is how you divide your money across different assets — such as stocks, bonds, cash, and Bitcoin. The mix shapes your expected return, risk, and how concentrated your portfolio is.
What is a good portfolio allocation?
There is no single right answer — it depends on your goals, time horizon, and comfort with risk. A longer horizon can support more in growth assets, while a shorter one often leans toward stability. This tool lets you test any mix and see the trade-offs, but it is educational, not advice.
How is my portfolio's expected return calculated?
It is the weighted average of each asset's expected return, using your allocation percentages as the weights. Each asset then compounds at its own assumed rate, and the tool shows the combined nominal and inflation-adjusted growth.
What does the concentration warning mean?
It appears when a single asset makes up a large share of your portfolio (50% or more). Concentration isn't automatically bad, but it does mean your outcome depends heavily on one asset — a calm reminder to consider diversification.
Does this include rebalancing?
No. Each asset compounds independently, so your allocation drifts over time as assets grow at different rates — which the tool surfaces as an educational note. To see the trades needed to return to your target mix, use the Portfolio Rebalancing Calculator.
Is this financial advice?
No. This is an educational tool driven entirely by the assumptions you enter. It does not recommend investments or predict returns — it helps you understand how different allocations behave under your own assumptions.
Keep going
Continue your journey
Related tools and guides to help you decide what to explore next.
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Dividend Reinvestment Calculator
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Educational use only
Educational purposes only. Calculator results are estimates based on assumptions and user inputs. They are not financial, investment, legal, or tax advice. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.