assetDCA
Multi-asset simulator

Project your portfolio across decades.

Set how much you invest, how often, and where it goes. Every default is an editable estimate — make them yours.

Future value (pre-tax)$430,193Nominal balance at horizon
In today's money$262,534After 2.5% inflation
Total invested$161,222Monthly contributions
Net gains (after tax)$234,677Taxes owed $34.3K
Horizon ROI167%Total return on contributions
Blended return9.4%Volatility 11.4%

Nominal vs. real growth

Headline balance, its inflation-adjusted value, and total contributed.

Asset breakdown

Each asset's contribution to the balance over time.

Monte Carlo outcomes

600 simulated paths · 100% beat what you put in.

AI risk advisor

This mix reads as Balanced.

  • Stepping contributions up 3% a year compounds powerfully — small, steady increases do heavy lifting over time.
Not financial advice. These notes are generated by a rules-based model from your inputs, for education only. They are not personalised recommendations. Consult a licensed professional before investing.

Portfolio mix

How each monthly contribution is split across your assets.

  • SPX S&P 500 Index50%$250
  • NDX Nasdaq-100 / Tech20%$100
  • 401K 401(k) Target-Date Blend15%$75
  • GLD Gold10%$50
  • CASH Cash / High-Yield Savings5%$25
About this tool

Questions, answered

It is the percentage you increase your contribution by each year, often matching pay rises. Even a 3% annual step-up meaningfully lifts the final balance over long horizons.

Use the real (inflation-adjusted) line to understand future buying power. The nominal line shows the headline dollar figure, which always looks larger.

It is the range of outcomes across hundreds of simulated market paths. A wider cone means more uncertainty — typical of higher-volatility portfolios.