The projection compounds monthly contributions at your chosen return. Small changes matter: one extra decade or two percentage points of return can multiply the outcome. Figures are nominal — subtract expected inflation for real purchasing power — and this is general information, not financial advice.
Long-run diversified equity returns have historically averaged 5–8% nominal; conservative plans use less.
No — subtract your inflation assumption to think in today's money, or use our inflation calculator.
No — it is an educational projection. Consult a licensed adviser for personal decisions.
Other calculators and planners on timedatelive.