Watch a habit
become a number.
Set your age, what you’ve saved and what you add each month. See what it could grow to, year by year.
Four risk profiles · Year by year · Starting early vs. late
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Projected at retirement
$1,116,723
You put in
$146,000
Growth
$970,723
$300 a month for 40 years could reach $1,116,723 by 65. Growth, not deposits, would be 87% of it.
Illustration only. Annual compounding at the profile’s assumed return (moderate: 8.5% a year). Returns are not guaranteed and can be negative.
Your numbers
Choose a risk profile
Assumed average yearly returns, not promises.
Try a change
Moderate profile
At retirement (age 65)
$1,116,723
40 years of growth
$300 a month for 40 years could reach $1,116,723 by 65. Growth, not deposits, would be 87% of it.
- Total contributions Your deposits over time
- $146,000
- Investment growth 665% return on investment
- $970,723
Milestones
Illustration only. Assumes the profile’s average return every year, compounded annually, with no fees, taxes or inflation. Returns are not guaranteed and can be negative.
Start at 20, stop at 30. Or start at 30 and never stop.
The same $250 a month. One person invests for ten years, the other for thirty-five.
Return used for this comparison
A. Starts at 20
$250 a month, age 20 to 30, then stops.
Value at 65
$773,486
Invested $30,000
B. Starts at 30
$250 a month, age 30 to 65.
Value at 65
$578,105
Invested $105,000
A puts in $75,000 less and ends with $195,381 more than B at 65.
Illustration only. Assumes the chosen return every year, compounded annually, with each year’s deposits added at year end (the same method as the projection above). Returns are not guaranteed and can be negative.
How to read it.
Using the tool
- Start with you. Your age, retirement age and what you’ve saved.
- Pick a risk profile. See how the stock and bond mix changes the assumed return.
- Try a change. $100 more a month, or starting five years earlier.
- Read the milestones. When the balance passes $100K, $500K and beyond.
The math behind it
- Annual compounding. Each year’s growth is reinvested, then that year’s contributions are added.
- Assumed returns. One fixed average per profile. Real markets rise and fall.
- Steady deposits. The projection assumes the same contribution every month.
- Not included. Fees, taxes and inflation, which all reduce real returns.
This calculator is for education only. Actual returns vary and are not guaranteed. It is not financial advice; for decisions about your money, talk to a qualified professional.