Final portfolio value
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Total contributed
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starting amount + all monthly deposits
Total growth
—
final value minus what you put in
Growth multiple
—
final value ÷ total contributed
Portfolio value over time
Compounding month by month at your set annual return.
Portfolio value
Total contributed (no growth)
Year-by-year breakdown
| Year | Contributed this year | Total contributed | Portfolio value | Total growth |
|---|
Does it matter when the crash happens?
Same crash size (set in the sidebar), inserted at different points across your horizon.
Final value at horizon
Reading this chart: if the bars trend downward left-to-right, a crash late in your horizon hurts more in absolute terms — your balance is bigger by then, with less time left to recover. This is sequence-of-returns risk, and with regular monthly contributions it usually matters more than exact crash timing.
Monthly payment
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Total repaid
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principal + interest, over full term
Total interest paid
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—
Payoff time
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Remaining balance over time
How the loan balance declines as you make payments.
Remaining balance
Without extra payments
Year-by-year amortization
| Year | Starting balance | Principal paid | Interest paid | Ending balance |
|---|
Principal vs. interest, cumulative
How much of your total payments go toward the loan itself versus the cost of borrowing.
Cumulative principal paid
Cumulative interest paid
All figures are illustrative projections based on the assumptions you set — not predictions or financial advice. Real markets and rates don't move in smooth, constant lines. This tool runs 100% locally in your browser; no data is sent anywhere or saved once you close the page.