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Growthorama

A small browser app that runs Python in the page, projects a portfolio with and without management fees, and translates the result into real-dollar withdrawals, value at the start of withdrawals, and what might still be left at the maximum age.

Inputs

Everything is shown in today's dollars. The withdrawal rule applies the same percentage every year to that year's portfolio value.

Portfolio today ($)

Annual input to pot ($)

Current age

Age at start of withdrawals

Maximum age

Market average (%)

Withdrawal rate once withdrawals start (%)

Management fee (%)

Inflation (%)

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The model uses one deterministic path based on the average market return you enter.
Returns are nominal, then converted back to today's dollars using the inflation assumption.
Management fees are applied every year after growth, and every result is shown both with fees and without fees.
Annual inputs are added only before withdrawals begin. Once withdrawals begin, contributions stop.

Fund value through life

Full-life real-dollar portfolio value with fees and the matching no-fee reference at every age.

Yearly withdrawal

Real-dollar withdrawals once they begin, comparing the portfolio with fees against the same path without fees.

Cost of management fees

Gap between the no-fee reference and the portfolio with fees, shown in today's dollars at every age.