How to use this calculator
Explore hypothetical long-term growth and compare future dollars with today’s purchasing power.
Compounding
Assumes a constant annual effective rate converted into monthly returns; contributions arrive at the end of each month.
Inflation adjustment
The projected nominal balance is divided by the assumed cumulative inflation factor to express purchasing power in today’s dollars.
This is not a retirement plan
It excludes taxes, investment fees, withdrawals, employer matching, sequence-of-returns risk, benefits, and changing savings patterns. Actual returns vary.
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