Free Financial Projection Calculator & Investment Growth Tool

My Projection Calculator is a comprehensive, free tool designed to help you visualize your wealth growth, plan investments, and achieve your financial goals. Track your net worth, model different scenarios with Monte Carlo simulations, and plan for retirement with ease.

  • Investment Growth Calculator
  • Net Worth Tracker
  • Retirement Savings Planner
  • Financial Goal Setting
  • Monte Carlo Market Simulations
Current Net Worth
$0
Where you stand today
Portfolio Events
Projected Future
$0
One possible path—based on your choices
By 2054

Net Worth Projection

Your projection will appear here

Add your first asset or debt in to see your net worth over time.

Asset Allocation Over Time

Your projection will appear here

Add your first asset or debt in to see your net worth over time.

Inflation
Yrs

Asset & Debt Allocation

What-If Scenarios

Projection Detailed Breakdown

Portfolio Analysis & Insights

Add Assets & Debt

No Assets Yet

Add your first investment, bank account, or property to start your projection.

Add Income & Withdrawal

No Financial Events

Model your life changes like salary increases, major purchases, or retirement withdrawals.

Financial Goals

What matters most to you?

Set a goal that aligns with your life—retirement, a home, peace of mind, or giving back. We'll help you see when you're on track.

Advanced Simulations

Monte Carlo Simulation

See how market volatility impacts your projection. Unlike the standard linear projection, this models 1,000 potential futures.

Sequence of Returns Risk

What if a crash happens exactly when you stop working or start a new phase?

FIRE SWR Analyzer

Enter your target expenses to find your 'FI Number' and projection date.

Compound Interest Calculator

Calculate growth for a single scenario without affecting your main plan.

Loan Amortization

Calculate monthly payments and see how much interest you'll pay over time.

Export & Sharing

Projection Data

Download your full projection timeline.

Raw Data

Export or import your entire financial plan as a JSON file.

Share Link

Create a shareable link to your projection.

User Guide

Dashboard

  • View your current net worth and projected future wealth
  • See your asset allocation breakdown at a glance
  • Use "What-If" sliders to instantly see how market performance or extra savings impact your future wealth
  • Track your financial progress with interactive charts

Add Assets/Debt

  • Track stocks, real estate, cash, bonds, and more
  • For Debt, set your interest rate and monthly payment to see exactly when you'll be debt-free
  • Each asset can have its own return rate and target allocation
  • Automatically rebalance your portfolio to match target allocations

Add Income/Withdrawal

  • Model life changes like a new job, salary increases, or bonuses
  • Set Recurring events with specific start/end dates
  • Withdraw a Percentage (%) of your balance for retirement or major purchases
  • Plan for one-time expenses or income events

Financial Goals

  • Set targets for retirement, home down payment, or emergency fund
  • Track your progress with visual indicators
  • See if you're On Track based on your current projections and target years
  • Adjust your plan to meet your goals faster

Export/Share

  • Download your data as Excel/CSV for your records
  • Generate a Share Link to save or send your projection
  • All data is stored locally in your browser for total privacy
  • Your financial information never leaves your device

Advanced Simulations

  • Monte Carlo: See probability of success with thousands of market scenarios
  • Sequence of Returns: Test how market crash timing affects your retirement
  • FIRE SWR: Find your Financial Independence date using safe withdrawal rates
  • Compound Interest: Quick growth estimates for any investment
  • Loan Amortization: See your payment breakdown and payoff timeline

Keyboard Shortcuts

  • Alt + A: Add new asset/debt
  • Ctrl + E: Add new income/event
  • Ctrl + G: Add new financial goal
  • Esc: Close any open modal

Privacy: Your data never leaves your device - everything is stored locally in your browser.

Profile

  • View and manage your account information
  • Reset your password if needed
  • Delete your account and all associated data
  • Access your profile settings anytime

Onboarding Guide

Need a refresher on how to use the app? You can re-enable the step-by-step onboarding tips and highlights here.

Mindset

This tool is here to give you clarity, not to add worry. Use it to see your path and plan with confidence. Progress over perfection—every step you take counts.

Profile

Account Information

Password

Reset your password by email. You'll receive a link to create a new password.

Reset Password

Danger Zone

Permanently delete all your saved data. This action cannot be undone.

Delete All Data

Note: To request full account deletion (including your email from our system), please send an email to myprojectioncalculator@gmail.com.

AI Financial Analysis

Quick AI Analysis

Analyze your data directly with ChatGPT.

Manual Analysis