Picture your future assets, starting today
Just enter your current assets and monthly contribution to simulate your future asset value across bear, standard, and bull scenarios.
* Simulation results are estimates based on the entered conditions and do not guarantee future investment performance. This is not investment advice.
What is a savings simulation?
Steadily contributing to savings or investments over time -- "dollar-cost averaging" -- is one of the most common ways people build wealth. But it's hard to picture exactly what "saving $X a month" actually adds up to years from now. This tool lets you enter your current assets, monthly contribution, and expected return to instantly estimate your assets 5, 10, 20, or 30 years out -- no math required, results in seconds.
Understanding compound growth
One of the biggest reasons savings grow over time is compounding: the returns you earn get reinvested alongside your principal, so your gains start generating gains of their own. Compared to simple interest (which only applies to the original principal), compounding accelerates growth the longer you stay invested. This tool compounds monthly, so the longer the time horizon you choose, the more clearly that acceleration shows up as an upward curve on the chart.
Why bear, standard, and bull scenarios?
There's no such thing as a guaranteed return -- markets go through good periods and bad ones. That's why this tool runs three scenarios at once based on your expected return: bear (-3 points), standard, and bull (+3 points). Rather than planning around the standard scenario alone, seeing the bear case too helps you build a more realistic plan that won't catch you off guard if conditions turn less favorable.
Frequently asked questions
It's completely free. No account, no email address -- you can start simulating right away.
No. Nothing you enter -- assets, contributions, or anything else -- is ever sent to a server. All calculations happen in your browser, and your inputs are saved only in your browser's local storage so they're there on your next visit.
Results are estimates based on the conditions you enter and don't guarantee actual future performance. Use them as a general guide when thinking through your savings plan, not as a promise.
Expected returns vary a lot by what you're investing in. As a rough reference, many people modeling a stock index fund use somewhere around 3-7% per year, but feel free to adjust it to match your own investment approach.
This web version is a free preview that only offers the future-projection feature. If you want to track your actual assets -- cash, stocks, funds, crypto, and more -- in one place, use the iOS app "MyAssets - Asset Management & Simulation," which also lets you save your contribution plan and keep managing it over time.
Seven languages -- Japanese, English, Simplified Chinese, Korean, Spanish, French, and German -- and 12 currencies including JPY, USD, and EUR.
Disclaimer: Simulation results from this tool are estimates based on the entered conditions and do not guarantee future investment performance. This is not investment advice.