About

What the tool does

You enter tickers and allocations. It estimates the income those holdings might produce and projects how the portfolio could grow over up to thirty years, compounding dividends month by month. You can control how much of each holding's income is reinvested, route the cash it does not reinvest into other positions, and see where the underlying funds overlap.

The distinctive part is the distribution schedule. Most calculators assume quarterly dividends. A fund paying weekly compounds fifty-two times a year rather than four, and over decades that difference compounds too — so the tool tracks whether each holding pays weekly, monthly, quarterly or annually, and models it accordingly.

What it is not

• It is not financial advice. Nothing here is a recommendation to buy, sell or hold anything.
• It is not run by a financial professional. The site is built and maintained by one software developer. There is no adviser, analyst or licensed professional behind it, and it should not be read as though there were.
• It is not a market data feed. Prices and yields are estimates, not live quotes. See How our data works for exactly which figures are verified and which are estimated.
• It does not model tax. Projections ignore taxes, fees, and trading costs. For high-yield funds the tax treatment can change the outcome substantially.

Why it exists

Income-focused funds have multiplied quickly — covered-call ETFs, weekly payers, single-stock option-income funds — and mainstream calculators handle them poorly. They assume quarterly payments, assume distributions grow like traditional dividends, and quietly treat a fund returning your own capital as though it were income.

This tool was built to model those holdings more carefully, and to be candid about the assumptions it makes rather than presenting a confident-looking number with no basis.

The most important limitation

A projection is arithmetic, not a forecast. It takes the yield, growth and appreciation assumptions given to it and compounds them forward. It cannot know whether a fund will sustain its distribution, whether its share price will erode, or what markets will do.

This matters most for the highest-yielding funds. A headline distribution rate above 30% is usually option premium, and often substantially return of capital — your own money handed back, which lowers the share price rather than adding to your wealth. The projection will happily compound such a figure for thirty years. Reality frequently does not.

Contact

Corrections are genuinely welcome, particularly on fund data — several errors have already been fixed because the numbers looked wrong on inspection. See the contact page.