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How to read the projection

The chart applies 4%, 7% and 10% annual nominal returns, compounded monthly, with deposits at the end of each month. These rates are examples you can compare, not assigned odds or expected market outcomes.

For example, $1,000 initially plus $100 per month at 4% for one year produces about $2,263. Total deposits are $2,200; the remaining $63 is modeled growth.

Taxes, fees and inflation are excluded. Actual investments can lose value. A smooth upward line does not show volatility or the effect of withdrawing money during a downturn.

Constant-return savings scenarios

Hypothetical annual returns: 4%, 7% and 10%. Amounts are future dollars before inflation.

Enter a starting balance, monthly contribution and number of years to compare the scenarios.