How It Works
- Current portfolio value
- Expected annual returns for each asset
- Monthly contribution amounts
- Month-by-month compound growth simulation
- Time-based projections
Key Assumptions
- 1Expected returns remain consistent over time
- 2Monthly contributions stay at current levels, unless the optional contribution growth simulation is enabled — then they rise each year by the rate you set
- 3Returns compound monthly
- 4No major market disruptions or extraordinary events
- 5Tax and inflation adjustments are optional and applied separately
Mathematical Approach
The prediction runs a month-by-month simulation. Each month, for each asset: New Value = Current Value + (Current Value × Monthly Return) + Monthly Contribution Where: Monthly Return = Expected Annual Return / 12 Monthly Contribution = Recurring investment amount With the contribution growth simulation applied, the monthly contribution compounds at your annual growth rate. The simulation continues until the total portfolio value reaches the target amount.
Important Limitations
- Market volatility not considered
- External economic factors excluded
- Personal financial changes not predicted
- Results become less accurate over longer periods
- Contributions only grow when the contribution growth simulation is enabled
Important: All predictions are estimates based on assumptions and should not be considered as guaranteed outcomes. Actual results may vary significantly due to market conditions, economic changes, and personal circumstances.
Frequently Asked Questions
How does Wealth Path calculate when I will reach my portfolio target?
It runs a month-by-month compound growth simulation: each month, every asset grows by its expected annual return divided by 12, then your recurring contribution is added. The simulation continues until the combined portfolio value reaches your target amount.
Does the Portfolio Milestone prediction account for taxes and inflation?
Both are optional simulations. You can enable a tax rate to estimate capital gains tax on the projected growth, and an inflation rate to see the result in today’s money. By default the projection is nominal (0% tax, 0% inflation).
Can I model my portfolio doubling or a custom amount?
Yes — quick picks let you target 2×, 3×, 5×, or 10× your current net worth, or fixed amounts, and you can enter any custom target.
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The information and calculations provided are for informational and educational purposes only and should not be considered financial, investment, or professional advice. Projections are hypothetical, based on assumptions that may not reflect actual market conditions. Past performance does not guarantee future results, and all investments carry risk of loss. Consult a qualified financial professional before making financial decisions.