LEVEL 200 · TAKEOFF
Estimate how a starting balance and consistent contributions may compound over time.
Illustrative educational estimate. The entered investment return is treated as a true annual return; monthly contributions are modeled at month end. Returns and outcomes are not guaranteed.
HOW TO USE THE RESULT
The calculator compounds the starting balance and each monthly contribution using the annual return you enter. Contributions made later have less time to grow, which is why the result is not the same as multiplying one lump sum for the full period. The projected value is nominal: it does not automatically subtract inflation, taxes, fund expenses, or withdrawals.
Brokerage projections may use a different contribution date, return sequence, fee assumption, inflation treatment, retirement age, or Monte Carlo model. Match every assumption before comparing the final numbers.
No. It is a smooth annual assumption used for illustration. Real markets move unevenly, and the order of returns matters when money is being added or withdrawn.
Run a conservative, middle, and optimistic return—not one heroic number. A useful plan still works when the return assumption is lower than hoped.
CONTINUE YOUR FLIGHT PLAN
Measure what quietly reduces the modeled growth.
OPEN →02Set contribution, rebalancing, and decision rules before markets test the plan.
OPEN →03Test what another weekly or monthly contribution can do.
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