Investment Allocation Calculator

Your journey to financial independence starts here

Investing doesn't have to be complicated. We'll help you build a diversified portfolio, understand the true cost of fees, and see how your money can grow over time.

1

Investment Details

$

Used to recommend bond allocation

10 yrs
2

Choose Your Strategy

Select a Portfolio Strategy

3

Allocation

0% US100% US
70% US30% Intl
0%60%
0% Bonds100% Stocks
Your Allocation
70%
US Stocks
30%
Intl Stocks
0%
Bonds

Recurring Contributions (DCA)

$

Export & Share

Portfolio Allocation

VTI
$7,000.00
70.0%
VXUS
$3,000.00
30.0%

Growth Projection

Total Invested
$10,000
Value (10Y)
$26,949.872
Growth
$16,949.872
Return
169.5%

Over 10 years, your $10,000 investment could grow to $26,949.872 — that's $16,949.872 in growth from compound returns working for you.

Dividend Income
$3,640.315
Avg 2.01% yield
Capital Gains
$13,309.557
78.5% of growth
Last Year Income
$516.129
Annual (Year 10)

Cost Analysis

Weighted Expense Ratio
0.045%
Annual Cost
$4.5
Fees Lost (10Y)
$120.543

Fund-by-Fund Breakdown

VanguardVTI
0.03%$2.10/yr
VanguardVXUS
0.08%$2.40/yr
VanguardBND
0.03%$0.00/yr

Cost of 1% Financial Advisor Fee

$2,576.891

Additional cost vs. self-managing these ETFs over 10 years

You're making a smart choice. By self-managing a low-cost ETF portfolio, you're keeping more of your returns. Even small fee differences compound dramatically over time — the $2,576.891 you're saving could mean years of extra retirement income.

Tax Efficiency

VTI: ExcellentVXUS: Very GoodBND: Excellent

How You Compare

A lower-fee option is available

Portfolio #6 has lower fees

+-3.915%
extra fees/year
Your Portfolio0.045%
Lowest Fee Option3.960%
1% Advisor Fee1.000%

Even small fee differences compound significantly over time. A 0.05% difference on a $100K portfolio is $50/year, but becomes thousands over decades.

This calculator is for educational purposes only. Past performance does not guarantee future results.

Always consult a qualified financial advisor before making investment decisions.