Portfolio SimulatorPortfolio SimulatorHow deterministic projections, Monte Carlo scenarios, inflation, withdrawals, and simplified taxes are calculated.
Portfolio Simulator is an educational scenario model. It applies the assumptions you enter consistently and exposes both deterministic and randomized outcomes. It does not predict markets, provide individualized advice, or reproduce a complete tax return.
The selected display currency changes symbols and number formatting only. No foreign-exchange conversion is performed.
The growth engine advances one period at a time using the frequency you select: yearly, quarterly, monthly, or weekly. Market growth is applied first, then the contribution is added at the end of that period. A newly added contribution therefore begins earning returns in the following period.
Effective annual return
Effective mode converts the annual assumption into an equivalent periodic rate, so a full year compounds back to the entered annual rate.
Nominal annual rate
Nominal mode divides the entered APR by the number of periods. Periodic compounding can therefore produce an effective annual result above the entered nominal rate.
Contribution growth
Contributions can increase once per year using the inflation input. This option is off in the default Growth scenario, but can be enabled beside the inflation field.
Results should be used to compare scenarios and understand sensitivity, not as a substitute for professional financial or tax advice.
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