Balance at retirement
—
add a Retirement event to model withdrawals
Balance at age 90
$0
nominal
Contributed vs growth
—
$0 in · $0 growth
Money runs out
Age 19
1 years into the plan — before age 90
Portfolio projection
Nominal dollars
Core Assumptions
Your starting conditions. Model raises, purchases, and retirement as life events →
Defaults to ~10.5%, the S&P 500's average annual return (with dividends reinvested) over the last 80 years. Change it to model a different investment mix.
Defaults to ~3.5%, the average US inflation rate (CPI) over the last 80 years. Change it to reflect your own expectations.
Life Events
What happens along the way — raises, purchases, retirement.
No life events yet
Contribution Change adjusts your monthly saving from an age onward · One-Time is a single deposit or withdrawal · Retirement switches you from saving to withdrawing · Return Rate Change adjusts your expected return from an age onward