Assumptions

Adjust your projection.

Savings goals

Advanced settings

Annual inflation assumption

Increase contributions with inflation Raises monthly deposits annually to preserve purchasing power

Values are in today’s money. Returns follow a standard random-walk model (geometric Brownian motion) with fixed return, volatility and inflation. Fees, taxes and changing markets are not included.

The shaded band holds the middle 80% of the 1,000,000 simulated outcomes each year. The same random seed is reused so changes compare fairly; “New sample” draws a fresh one.

Typical result after 25 years · today's money

Median

Bad case · 10th– Good case · 90th–

Contributed$0 Growth$0 Chance of ending below what you put in–

Median Contributions 10–90% range