Methodology
The calculator applies recurring contributions and monthly compounding to the selected time horizon. It models base, low, and high return scenarios and can incorporate inflation, fees, taxes, contribution timing, and dividend assumptions.
Assumptions
- Annual return, inflation, fee, tax, and dividend assumptions remain constant unless the user changes them.
- Contribution amounts and timing remain consistent across the selected projection period.
- The result is a deterministic scenario projection, not a forecast of actual market performance.
Limitations
- The calculator does not simulate market volatility, sequence-of-returns risk, or changing interest-rate environments.
- Tax treatment is simplified and is not specific to an individual country, state, account type, or personal situation.
- Actual returns, rates, fees, taxes, and inflation may differ materially from the selected assumptions.
What this calculator does
Use the calculator to project savings or investment growth, compare low, base, and high return scenarios, and estimate the recurring contribution required to pursue a selected goal.
How to use the result
Treat the output as a planning range rather than a promise. Test conservative assumptions first, compare nominal and inflation-adjusted values, and review how fees, taxes, and contribution timing change the result.
Privacy and sharing
The calculator runs in the browser and does not require an account. Saving stores the visible settings in local browser storage. A copied share link contains the calculator assumptions in the URL so another browser can reproduce the same scenario.