Portfolio Investment Calculator
What-If you invested in a custom portfolio of ETFs, stocks, crypto and cash? Compare its historical return with savings over any period
Calculator inputs
Set a savings rate once to compare against your investment
This amount will be allocated across the selected assets based on your chosen allocation.
| Your portfolio | Allocation | Starting Value | Final Value |
|---|
Savings Account
- Interest Return
- Interest Earned
- Investment Duration
- Annual Interest Rate
Portfolio
- ETF Return
- Stock Return
- Crypto Return
- Cash Equivalent Return
- Blended Portfolio Return
- Blended Portfolio Earned
- Investment Duration
- Annualized Blended Portfolio Return
Savings vs Portfolio: Comparison
The Gap
Portfolio Growth Over Time
Explore More Tools
This page compares savings to a blended portfolio -- here's what else you can model.
Compare savings to the S&P 500 over any period.
Compare savings to a specific ETF, like SPY or QQQ.
Compare savings to an individual stock, like AAPL or MSFT.
Compare savings to 15+ crypto, including weekends.
Compare two stocks, ETFs, or crypto -- any combination, side by side.
See every stock, ETF, and crypto this calculator supports.
Explore data-driven investment comparisons, historical scenarios, and market performance analysis.
What Is a Blended Portfolio?
A blended portfolio spreads a single investment across multiple assets and asset classes—such as ETFs, individual stocks, crypto, and cash equivalents—with each holding representing a percentage of the total investment, so the overall return becomes a weighted average of how each piece performed. This goes a step further than an ETF like SPY, which already diversifies across hundreds of companies: blending in a single stock, crypto, and cash adds asset classes that often behave very differently from broad stock indexes and from each other, which can change the overall risk profile substantially compared to holding any one of them alone.
How the Portfolio Return Is Calculated
This calculator applies your chosen allocations directly to each asset's own historical return: Portfolio Return = Sum of (Asset Allocation × Asset Return) for all selected assets. Your selected allocations must add up to 100%, since together they represent the entire initial investment split across the assets you've chosen.
Savings vs. a Blended Portfolio: The Core Trade-Off
A savings account offers stability and modest, predictable growth. A blended portfolio of ETFs, stocks, and crypto carries real market risk on those legs -- including the possibility that all of them decline at once -- in exchange for potentially higher long-term growth; a cash equivalent slice, by contrast, is modeled here as a fixed rate rather than real market data, so it does not carry that same volatility. The right mix, including how much (if any) to allocate to each, depends on your goals, timeline, and comfort with volatility.
Business Days Only, Even for the Crypto Portion
Unlike the standalone Crypto calculator on this site, this calculator restricts start and end dates to business days (Monday through Friday). That is because the ETF and stock legs of the portfolio only have real closing prices when markets are open, and every leg you use needs to share the same start and end date for the blended return to make sense.
Historical Performance Context
Because this calculator can blend up to four different asset classes, its historical performance over any given window reflects how ETFs, individual stocks, crypto, and your chosen cash equivalent rate happened to perform relative to each other during that specific period -- which can vary enormously depending on the exact dates, holdings, and allocation chosen. Past performance over any historical window, including the one you selected above, does not predict future results.
Important Investment Risks
Unlike a real savings account, none of the ETF, stock, or crypto legs of this portfolio are insured, and each can lose substantial value independently or all at once; the cash equivalent slice is modeled as a simple fixed rate and does not represent real deposit insurance either. The calculations on this page use historical closing prices, using adjusted closing prices for the ETF and stock legs, which already reflect reinvested dividends, and exclude staking rewards, trading fees, and taxes, so real-world results will differ. This tool is for educational purposes only and is not personalized financial, investment, or tax advice.
Your selected allocations represent how your entire initial investment is split across the ETF, stock, crypto, and cash equivalent legs you are using. If they do not sum to 100%, the blended portfolio return would not correspond to a real, fully-invested allocation, so the calculator shows a warning and will not run until they add up correctly.
That asset simply contributes nothing to the blended return, as long as your remaining allocations still add up to 100% between them. This is a valid way to model a two- or three-asset portfolio using this same calculator.
The ETF and stock legs of this portfolio only have real closing prices on business days, since U.S. stock markets are closed on weekends. Since every leg you use must share the same start and end date, the whole calculator is restricted to business days even though crypto itself trades every day.
Yes, for the ETF, stock, and crypto legs -- each uses actual historical closing prices for your selected tickers (adjusted closing prices for the ETF and stock legs), over the exact start and end dates you choose. The cash equivalent slice is the one exception: it is modeled as a simple fixed rate (either your savings rate, an assumed T-bill yield, or a rate you set yourself) rather than pulled from real market data. 'Closing price' refers to the officially reported price of a security at the close of regular trading on its primary exchange (4:00 PM Eastern Time for U.S. markets), and does not reflect after-hours or extended-trading activity.
The ETF and stock legs use historical adjusted closing prices, so dividends are already reflected in the price for those legs. The crypto leg does not include staking rewards, and none of the legs include trading fees or taxes.
Savings growth is calculated using annual compound interest with the formula Final Value = Principal × (1 + Rate)^Years, where Years is the exact time span between your selected start and end dates. The investing CAGR, or compound annual growth rate, is calculated the same way but solved in reverse: CAGR equals the Final Value divided by the Principal, raised to the power of one divided by Years, minus 1. This puts both sides on the same annualized basis for an easy comparison.
Toggling this sets the comparison side to 0% growth, representing literal idle cash instead of a savings account earning interest -- useful if you want to see the raw effect of investing versus doing nothing with the money.
This calculator is provided for educational purposes only and does not constitute financial, investment, or tax advice. Returns shown are based on the historical closing-price performance of the selected ETF, stock, and cryptocurrency and do not reflect dividends, staking rewards, trading fees, or taxes. Historical performance does not guarantee future results.