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.
- Weighted expected return
- 8.4%
- Final nominal value
- $1,071,216
- Inflation-adjusted value
- $510,695
- Total contributions
- $190,000
- Investment gains
- $881,216
- Largest allocation
- VOO
Blended assumption.
Before inflation.
Purchasing power today.
Money invested.
Growth earned.
40% of portfolio
- VOO
- QQQM
- SCHD
- BTC
- Cash
How your portfolio is divided across assets.
- Nominal value
- Inflation-adjusted
- Contributions
Nominal value, purchasing power, and contributions over time.
- VOO
- QQQM
- SCHD
- BTC
- Cash
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% |
Year-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 |
This mix blends to 8.4% a year, reaching $1,071,216 — worth $510,695 in today's money, with VOO the largest holding at 40%.
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.
Expected return is not risk. This model does not simulate volatility, drawdowns, or sequence risk.
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 CalculatorHow 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
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.
This is one of several educational models on Rionux. See how we model these projections across all our tools.
Continue your journey
Related tools and guides to help you decide what to explore next.
Related tools
Portfolio Rebalancing Calculator
Compare your current mix against a target allocation and estimate what to buy or sell to rebalance.What do I buy or sell to rebalance?Recommended nextFIRE Calculator
Estimate how much you need and when financial independence becomes possible.When can I stop working?GrowCompound Interest Calculator
Understand how time, contributions, returns, and inflation shape long-term wealth.What will this grow to?GrowDividend Reinvestment Calculator
Project how reinvested dividends can compound into a growing income stream.What do reinvested dividends become?Related guides
- How to Choose Your Portfolio Allocation7 min readHow to decide the mix of stocks, bonds, and cash that fits your time horizon and tolerance for risk — with the trade-offs behind each choice.
- Asset Allocation vs Diversification7 min readAsset allocation is how you split money across asset classes; diversification is how widely you spread risk within them. How the two work together.
- Portfolio Allocation by Age: Rules of Thumb8 min readHow age-based rules of thumb — 60/40 and '100/110/120 minus age' — frame stock and bond splits. Explained as conventions, not recommendations.
- Index Fund vs ETF: What's the Difference?7 min readAn index fund is a strategy that tracks an index; an ETF is a structure that trades like a stock. How they relate and where they genuinely differ.
- How Compound Interest Works: A Beginner's Guide6 min readWhy time matters more than the return rate, and how to put consistent long-term investing to work in your favour — with scenarios you can run yourself.
- Why Inflation Matters5 min readWhy long-term investors judge returns after inflation, what that does to a plan built on nominal numbers, and how to think about staying ahead of it.
Get new calculators in your inbox
Occasional emails when we ship a new tool or guide. No spam, unsubscribe anytime.
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.