Enter your allocation across stocks, bonds, and cash with their expected annual returns. See your blended portfolio return, how $10k grows over 10–30 years, and how you compare against a 100% SPY allocation.
A blended return is the weighted average of each asset class's expected return. If 60% is in stocks returning 10% and 40% is in bonds returning 4%, the blend is 0.6 × 10% + 0.4 × 4% = 7.6%/yr. This model assumes constant weights and no rebalancing friction.
The long-run US equity return (S&P 500) is approximately 10%/yr nominal, or 7% real after inflation. For international stocks or small-cap tilts, assumptions of 8–12% are common. Use your own view — this calculator is as good as your inputs.
This calculator uses three rows (Stocks, Bonds, Other/Cash) for simplicity. You can group similar assets — e.g., put REITs and commodities in "Other" and use a blended rate.
Probably not exactly. Your real XIRR depends on when you invested and the actual returns of each asset. Upload your brokerage export to see the real number.