Where are you now, and how do you get there?
Tell us what you have, what you can add each month and where you want to be. See whether you are on track with common ETF portfolios like DHHF, VDHG or VAS and VGS, and what it would take to close any gap.
Where you are now
Where you want to get to
How you would invest
Pick a portfolio. Each card shows its mix and our long-term return assumption after fees.
How the calculator works
We grow what you have today and add your monthly amount, a method called dollar-cost averaging: investing a set amount on a regular schedule, so you buy more units when prices are low and fewer when they are high. With "today's dollars" ticked, your monthly amount rises with inflation and every figure is shown in what it would buy now.
Returns are long-term assumptions, not forecasts: 8% a year for Australian and global shares, 4.25% for bonds and 3.8% for cash, less each portfolio's fees. These are the same assumptions as our retirement income calculator. The range shows what 2% a year lower or higher would do, and real returns jump around far more than a smooth line suggests. The "bad year" is a rough guide to how far each mix could fall in a severe crash like 2008, not a worst case.
For an income goal we work out the balance you would need to draw that income at the rate you choose. 4% a year is a common rule of thumb for money that needs to last 25 years or more. Brokerage and tax are not included: if you invest monthly, check your broker's fee, as $5 on a $500 trade is a 1% cost.
An illustration only, not a forecast or personal advice. Past performance is not a reliable indicator of future returns. Consider your whole situation, including super, before acting, and speak to a licensed adviser if you are unsure.
