Portfolio Mix Calculator

Add as many holdings as you want — different funds, different payout rates — and see how the whole mix grows together, not just one at a time. Save up to 5 mixes, then compare them side by side in your account.

“Investing is not about beating others at their game. It’s about controlling yourself at your own game.” – Benjamin Graham

What a "mix" actually means

Most real investors don't hold just one fund — they spread their money across a few, so no single fund's ups and downs decide the whole outcome. That's all "portfolio mix" means here: instead of one starting balance and one payout rate, you set a total amount of money, then tell this calculator what percentage of it goes into each fund you pick. The calculator blends every holding's own payout rate and pay schedule into one combined projection, so you can see what the whole mix produces together — not each fund one at a time.

When to use this instead of the Single Fund Calculator

If you're only holding (or only considering) one fund, the Single Fund Calculator is simpler and gives you more room to fine-tune that one holding's own growth assumption. This tool is for the more realistic case — you already hold, or want to model, two or more funds together, possibly at different payout rates and different pay frequencies (monthly, semi-monthly, quarterly all mixed), and want one honest combined answer instead of adding up several separate projections by hand.

A quick example of why blending matters

Say you split $10,000 as 60% into a fund paying 6% a year and 40% into a fund paying 10% a year. Neither number alone tells you what you'll actually receive — the blended rate is 7.6% (0.6 × 6% + 0.4 × 10%), which works out to about $63/month in combined income before any reinvestment growth. Change the split to 40/60 instead, and the blended rate moves to 8.4% — a meaningfully different number, from the same two funds, just weighted differently. That's the number this calculator solves for you automatically, holding by holding, as you add funds and adjust each one's percentage below.

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What do you want to know?
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Create a free account to save this mix.

What this assumes:
  • Your total starting balance and monthly contribution are split across your holdings by the percentages you set — if they don't add up to 100%, we scale them proportionally so the math still works.
  • Each holding uses the payout rate you enter for it, the whole way through — this doesn't guess whether any rate goes up, goes down, or a fund's price changes over time.
  • Holdings with different pay frequencies (monthly vs. semi-monthly) are lined up on a shared monthly timeline so the combined total makes sense — see the glossary for what "frequency" means.
  • Goal mode checks the combined income across every holding, not any single one — a mix can hit a goal that no individual holding would reach alone.