Model your £1m path
Use your current invested amount, monthly contribution and an illustrative annual return to see how time and consistency could shape your portfolio. The calculation is illustrative, not a forecast or personal financial advice.
Free, private and illustrative
£1m Path Calculator
See how your portfolio could develop with regular investing. Calculations run in your browser only. Nothing is stored or sent to RichardRalph.com.
Your assumptions
Your projected path
Growth over time
Year-by-year breakdown
| Year | Starting | Contributions | Growth | End balance |
|---|
Assumes a constant annual return, compounded monthly, and contributions at the end of each month. It excludes fees, tax, inflation and market volatility. It is for education only, not a prediction or personal financial advice.
How to use it
Start with the value you have invested today, then use a realistic contribution rate you think you can sustain. A higher assumed return makes the illustration look better, but no return is guaranteed. The most useful output is often the comparison between starting now and delaying.
For more context on the choices behind the numbers, explore Financial Independence or see the current portfolio.