Future goals
Explore how regular contributions could grow over time.
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EXPLORE YOUR NUMBERS
Explore how regular contributions could grow over time.
Each month: balance × (1 + annual rate / 1200) + contribution. Repeat for years × 12 months.
Contributions arrive at month-end. Assumes constant nonnegative growth compounded monthly; excludes fees, taxes, inflation, and withdrawals. Actual returns vary and can be negative. The example rate is not a forecast.
BEFORE YOU BEGIN
Estimates are enough to explore. Keep every money amount in the same selected currency.
A starting balance and planned monthly contribution.
A hypothetical annual growth rate to explore.
A whole-number time horizon in years.
MAKE THE RESULT USEFUL
Separate the money you contribute from hypothetical growth. Try different time horizons and rates, including zero, to see how strongly the assumption affects the result. A smooth projected balance does not describe real market fluctuations.
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TRY ANOTHER SCENARIO
Try zero growth, then your chosen hypothetical rate, without changing contributions. This separates the effect of saving regularly from the effect of the growth assumption.
Return to your numbersChanging inputs here does not send them to Matt or save them between visits.
A FEW THINGS YOU MAY BE WONDERING
At the end of each month, after that month’s assumed growth. A contribution therefore begins growing the following month.
No. The rate is a constant scenario you enter, not a forecast or guaranteed return. Actual returns vary and can be negative. This model excludes fees, taxes, inflation, and withdrawals.
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