Keep the portfolio. Change one assumption. See what happens to your savings goal, and what it would take to close the gap.
USD · 10 YEARS · TODAY’S PURCHASING POWER
Same 60/30/10 allocation and saving. Only the compound-return assumption changes.
$201,923
6.23% gross annual growth
5.91% after the modelled fee · Below the target
$171,792
4.23% gross annual growth
3.92% after the modelled fee · Below the target
Teal: reference · Gold: alternative · Dashed line: target. These smooth paths illustrate compounding, not how markets will behave.
To reach $300,000 in today’s money, the model needs $1,623 a month under your alternative, compared with $1,276 under the reference. Contributions stay constant in nominal money and arrive at month end.
| Measure | Reference | Alternative |
|---|---|---|
| Future nominal value | $258,478 | $219,908 |
| Today’s purchasing power | $201,923 | $171,792 |
| Required monthly saving | $1,276 | $1,623 |
Annual inflation 2.5%; annual fee 0.3%. Reference portfolio volatility 10.56%. This projection does not simulate that volatility or estimate a success probability. Tax is excluded.
Reference: 2026 J.P. Morgan currency edition, imported 2026-09-02, with Portfolio Lab’s shared covariance and portfolio compounding calculation. Not a live market forecast. The published horizon is 10 to 15 years; shorter or longer projections are sensitivity illustrations.
Published currency workbookSave up to five snapshots on this device. Each keeps its original inputs and results; recalculating is a separate choice.
Already using Portfolio Lab? Open your saved portfolios. For uncertain paths and withdrawals, use the retirement simulator. Account portfolio saves and these device snapshots are separate.
No. It isolates the effect of a return assumption on a savings goal. It uses steady growth, excludes tax and does not simulate losses, withdrawals or success probabilities. Use the retirement simulator for uncertain paths.
It is a sensitivity you choose. A change of minus two means two percentage points less annual compound growth, holding the allocation and saving fixed. It is not a confidence interval or an institution’s forecast.
Yes. Each supported base uses its own portfolio assumptions and covariance inputs. Inflation resets to that currency’s reference when you change it, and remains editable. Amounts are not converted at current exchange rates.