Calculators for building a portfolio
Seven tools for the whole investing journey — projecting funds after fees, tracking your cost basis, and keeping a diversified portfolio on target. Free, instant, and private to your browser.
Fund & stock returns
ETF Return
after feesProject an ETF position with contributions — and see how much the fund's expense ratio quietly costs you over the years.
Open calculatorDollar-Cost Averaging
steadyInvest a fixed amount every month through ups and downs — see where consistent, automatic investing could take you.
Open calculatorSIP Calculator
monthly planEstimate the maturity value of a systematic investment plan from your monthly amount, expected return and tenure.
Open calculatorStock Average Cost
cost basisAdd every buy lot to find your true average cost per share, total shares and total invested — plus current profit or loss.
Open calculatorThe whole portfolio
Portfolio Growth
projectionCombine your current balance, ongoing contributions and an expected return to project your whole portfolio's future value.
Open calculatorPortfolio Rebalancing
back to targetEnter each holding and its target percentage to see exactly how much to buy or sell to return to your intended mix.
Open calculatorNet Worth
own − oweList everything you own and everything you owe to find your net worth, with a clear assets-versus-liabilities breakdown.
Open calculatorFrom first contribution to full portfolio
A sensible path through the tools — pick how you invest, project it, then zoom out to the whole picture.
Choose how you invest
Most investors put money in on a schedule rather than all at once. Model a steady monthly contribution and see where consistency alone takes you.
Project the fund
Pick a fund and project the position with contributions — then see how much its expense ratio quietly skims off the top over the years.
Track your cost basis
Bought in several lots at different prices? Roll them up into a true average cost per share so you always know where you stand.
See the whole picture
Combine every holding into one projection, then tally assets against liabilities to know your real net worth today.
Keep it on target
Markets drift your allocation away from plan. See exactly what to buy or sell to return each holding to its target weight.
What drives portfolio returns
Investing well is less about picking winners than about a few durable habits: keep costs low, contribute consistently, stay diversified, and don't let the mix drift. Each of these tools isolates one of those levers so you can see its effect in isolation.
The single biggest controllable factor is cost. A fund charging 0.7% instead of 0.05% doesn't sound like much, but compounded over an investing lifetime it can quietly consume a large slice of your final balance.
Expense ratio
The annual fee a fund charges, taken as a percentage of your balance. It's invisible on statements but compounds against you — small differences become large over decades.
Dollar-cost averaging
Investing a fixed amount on a schedule regardless of price. You buy more shares when prices are low and fewer when high, removing the need to time the market.
Cost basis
The average price you paid across all your buys. It sets your taxable gain when you sell and tells you whether you're actually up or down on a position.
Diversification
Spreading money across many holdings so no single one can sink you. It lowers risk without necessarily lowering expected return — the closest thing to a free lunch in investing.
Rebalancing
Periodically selling what's grown and buying what's lagged to restore your target mix. It enforces buy-low, sell-high and keeps your risk where you intended.
Net worth
Everything you own minus everything you owe. It's the single number that captures your whole financial position, and the one worth tracking over time.