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Recurring contributions
Model monthly or annual deposits, choose beginning or end timing, and optionally increase contributions each year.
Your growth projection will appear hereEnter an initial amount, return assumption, time period, and optional recurring contributions.
Projected after-tax future value
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Nominal estimated balance
Total contributed—
Investment growth—
Inflation-adjusted value—
Estimated tax on gains—
Effective annual return—
Growth multiple—
Future value composition
Initial principal—
Added contributions—
Net growth—
Balance growth over time
StartYear 15
Return scenario comparison
6% return—
8% return—
10% return—
Year-by-year projection
| Year | Contributed | Growth | Balance | Today’s value |
|---|
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Real-value estimate
See both nominal growth and an inflation-adjusted estimate in today’s purchasing power.
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Return scenarios
Compare your chosen rate with returns two percentage points lower and higher—without implying certainty.
Understanding compound growth
Compounding earns returns on both previous contributions and accumulated growth. Time, return, contribution size, fees, taxes, and inflation can all materially change the outcome.
Contribution timing matters
Beginning-of-period deposits receive one extra period of growth compared with end-of-period deposits.
Nominal versus real value
Nominal value is the future account balance. Inflation-adjusted value estimates what that balance may buy in today’s money.
Returns are not smooth
The calculator assumes a constant rate for planning. Real markets can rise or fall substantially from year to year.
Tax is simplified
The optional tax rate is applied once to positive total gains. It does not model annual taxation, allowances, or account-specific rules.