RISK & PLANNING TOOL
Project a balance with recurring contributions and an annual return assumption.
Update any value to recalculate.
Calculated from the values above.
This illustration assumes a steady return and contributions made at the end of each contribution period. It is not a forecast.
Use it to illustrate how starting balance, regular contributions, and a hypothetical return interact over time.
Use a conservative hypothetical return and a realistic contribution schedule. Compare multiple return assumptions because compounding magnifies both the contribution plan and the assumption; it does not model uneven market returns or withdrawals.
The projection compounds the balance at the selected frequency and adds recurring contributions at period end.
The projection applies a steady hypothetical return. Real returns vary, contributions may not be invested immediately, and no tax, fee, withdrawal, or drawdown assumptions are included.
Starting with $10,000, adding $500 monthly, and assuming 8% annually produces an illustrative ten-year projection.
Compare several return assumptions and contribution schedules. Over long periods, the contribution plan can be as influential as the return assumption in the displayed ending balance.
Do not read the projection as a likely account path. Real returns arrive unevenly, and drawdowns, taxes, fees, withdrawals, and missed contributions can materially change the result.
Returns are not steady in real markets. This is an illustration, not an investment forecast.