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Your Inputs
Money you’re starting with today.
Use negative to simulate withdrawals.
We’ll show outcomes at (rate − variance), base rate, and (rate + variance).
Times per year interest is compounded.
Quick presets
Pro tips
- Use realistic long-term rates (6–8% for stocks, before fees).
- Try increasing contributions yearly (cost-of-living raises).
- Employer match? Add it as an extra contribution — and share your summary with HR.
- Variance is optional. Set ±2% to see optimistic/pessimistic ranges.
Summary of Inputs
💡 Share this summary with your HR to discuss your savings plan or benefits.
i
How this calculator compounds
This tool assumes each contribution starts earning interest immediately at the effective rate for your selected contribution frequency.
Future value of principal
FVprincipal = P × (1 + r/m)mt
Future value of contributions
FVcontrib = PMT × ((1 + i)n − 1) / i
P= initial investmentPMT= contribution per periodi= effective rate per contribution periodn= total number of contribution periods
Results
Rate Scenarios
| Scenario | Annual Rate | Ending Balance |
|---|
Growth Over Time
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