User guide
Portfolio Return Calculator
Estimate inflation-adjusted returns and choose a risk profile for planning.
What this tool does
Explores expected returns and risk levels so retirement and investment assumptions feel realistic.
Understanding portfolio assumptions
Tap a number to explore each part of the screen.
Click a marker on the screenshot to learn what each part does.
Risk profile
A planning label for how much short-term volatility you are willing to accept.
This profile appears on your Financial Health Snapshot once saved.
Understanding inputs
| Risk profile | Summary of how much volatility you accept on paper. |
|---|---|
| Asset mix | Split across cash, bonds and shares where shown. |
| Inflation | Reduces purchasing power over time. |
Understanding results
Your selected risk profile appears on the Financial Health Snapshot. Use real return when judging whether retirement projections are ambitious or cautious.
Worked example
Profile: Balanced
Expected return: 6%
Inflation: 2.5%
Real return: ~3.5% (illustrative)
Frequently asked questions
Is this investment advice?
No. It is an educational planning aid.
Which risk profile should I pick?
Choose one that matches how much short-term fluctuation you could tolerate.
Can I change profile later?
Yes. Update and refresh your snapshot.
Why adjust for inflation?
Retirement spending in 20 years will not buy the same as today.
How often should I review?
When your goals or comfort with risk changes.
Download MoneyMap Pulse
Try this tool on Android and build your financial picture step by step.
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