How to use the contribution simulator (allocate your monthly buy)
Learn to use the contribution simulator: asset-class split, target allocation, a practical example, and a free tool to plan buys.
You know how much you can invest this month. The next question is where the cash should go: stocks, REITs, ETFs, or fixed income. A contribution simulator answers that before you place trades at your broker.
Portfolio Ceiling offers a free public simulator for an educational split, and a full simulator in the app that uses your target allocation, positions, and price ceilings.
Calculate now, no signup
Enter a monthly amount and see an educational split across asset classes. No account required.
What the public simulator shows
Enter an amount (for example $1,000). You get a demo allocation across classes. It is a teaching preview, not your personal target weights. After signup, the app simulator respects the allocation you define.
How to use it well
- Start from investable income or how much to invest monthly so the dollar amount is realistic.
- Preview the class split and adjust the amount until it feels sustainable.
- Create a free account, add holdings (AAPL, VOO, O, BND, and so on), set target weights, and rerun with real underweights.
- Before buying, check a price ceiling so you do not pay above your limit.
Example
With $1,000 and a 45% stocks / 30% REITs / 15% ETFs / 10% bonds demo, you might see about $450 to stocks, $300 to REITs, $150 to ETFs, and $100 to fixed income. In the app, if REITs are already overweight, more cash may go to underweight stocks instead.
Simulator vs advice
The tool organizes decisions from data you provide. It does not replace a risk assessment or a licensed professional. Compare results with T-Bill rates, S&P 500 context, and your own goals.
Simulate with your real portfolio
Free account: connect target allocation, positions, and price ceilings to get buy suggestions.
Open contribution simulator · See all tools · Create a free account when you want to save
Frequently asked questions
What is a contribution simulator?+
It is a tool that estimates how to split a monthly amount across asset classes (stocks, REITs, ETFs, fixed income) before you place trades at your broker.
Does the free simulation use my portfolio?+
The public version shows an educational allocation. With a free account, the simulator uses your target allocation, current positions, and real price ceilings.
Does the contribution simulator replace advice?+
No. It organizes decisions from the data you enter. Consider your risk profile and, if needed, consult a licensed professional.
Can I save the simulated contribution amount?+
Yes. Create a free account and the amount you entered can feed the full simulator inside the app.