Defaults are teaching numbers, not a forecast. Change any input to see which lever moves terminal wealth most.
Educational illustration — not advice, a quote or a guarantee.
Scenario gallery
Teaching presets — tap to load inputs, then tweak. Not forecasts.
Goal-gap snapshot
Save a named snapshot of the goal already on this calculator against the current levers. The rail shows which single lever closed more of the gap than the others — teaching illustration, not advice.
Educational scenarios only. Not a forecast, a product offer or personalised financial advice.
Growth instrument
Sticky levers + live curve — teaching model, not advice.
Nominal vs real growth
- Nominal balance428,336
- Real (inflation-adj.)255,057
- Total contributions108,000
- Rule of 72 doubling years10.3
Scenario A / B
Two lives on one chart — change one lever at a time.
Nominal A vs B
Goal-seek years
Solve for years to reach a target balance (teaching model, not advice).
Printable year table
Year-by-year teaching table from the levers above. Not a loan schedule and not advice.
| Year | Start | Paid in | Net growth | End (nominal) | End (real) |
|---|---|---|---|---|---|
| 1 | 10,000 | 3,600 | 816 | 14,416 | 14,102 |
| 2 | 14,416 | 3,600 | 1,126 | 19,142 | 18,383 |
| 3 | 19,142 | 3,600 | 1,457 | 24,199 | 22,851 |
| 4 | 24,199 | 3,600 | 1,812 | 29,611 | 27,515 |
| 5 | 29,611 | 3,600 | 2,192 | 35,403 | 32,384 |
| 6 | 35,403 | 3,600 | 2,598 | 41,601 | 37,465 |
| 7 | 41,601 | 3,600 | 3,033 | 48,234 | 42,769 |
| 8 | 48,234 | 3,600 | 3,498 | 55,333 | 48,304 |
| 9 | 55,333 | 3,600 | 3,996 | 62,929 | 54,082 |
| 10 | 62,929 | 3,600 | 4,529 | 71,059 | 60,113 |
| 11 | 71,059 | 3,600 | 5,100 | 79,759 | 66,408 |
| 12 | 79,759 | 3,600 | 5,710 | 89,069 | 72,979 |
| 13 | 89,069 | 3,600 | 6,363 | 99,032 | 79,837 |
| 14 | 99,032 | 3,600 | 7,062 | 109,695 | 86,995 |
| 15 | 109,695 | 3,600 | 7,811 | 121,105 | 94,466 |
| 16 | 121,105 | 3,600 | 8,611 | 133,316 | 102,264 |
| 17 | 133,316 | 3,600 | 9,468 | 146,384 | 110,404 |
| 18 | 146,384 | 3,600 | 10,385 | 160,369 | 118,900 |
| 19 | 160,369 | 3,600 | 11,366 | 175,334 | 127,767 |
| 20 | 175,334 | 3,600 | 12,416 | 191,350 | 137,023 |
| 21 | 191,350 | 3,600 | 13,539 | 208,490 | 146,684 |
| 22 | 208,490 | 3,600 | 14,742 | 226,832 | 156,767 |
| 23 | 226,832 | 3,600 | 16,029 | 246,460 | 167,292 |
| 24 | 246,460 | 3,600 | 17,406 | 267,466 | 178,278 |
| 25 | 267,466 | 3,600 | 18,880 | 289,946 | 189,744 |
| 26 | 289,946 | 3,600 | 20,457 | 314,003 | 201,712 |
| 27 | 314,003 | 3,600 | 22,145 | 339,748 | 214,204 |
| 28 | 339,748 | 3,600 | 23,951 | 367,299 | 227,243 |
| 29 | 367,299 | 3,600 | 25,884 | 396,783 | 240,852 |
| 30 | 396,783 | 3,600 | 27,953 | 428,336 | 255,057 |
Net growth is end minus start minus contributions, after the fee in the model. Monthly deposits are summed to the year.
Frequently asked questions
Is this calculator financial advice?
Why include fees and inflation?
What does the Rule of 72 number mean?
How should I use the scenario gallery?
Worked example with the printed defaults
Principal 10,000, 300/mo, 7%, 30y, 0.2% fee, 2.5% inflation — teaching only.
- Printed defaults — 10 000 principal, 300 monthly, 7% rate, 30 years, 0.2% fee, 2.5% inflation on load.
- Years and contributions win — Often beat a 1-point rate tweak on this baseline.
- Nominal vs real — Real line applies 2.5% inflation teaching.
- Fees nibble real — 0.2% annual fee on the net path — illustrative.
- Goal-gap second scenario — Snapshots A/B compare saved inputs, not advice.
At 7%, Rule of 72 ≈ 10.3 years to double — ignores fees, inflation and changing contributions.
Educational illustration only. Not financial advice.
Second what-if: double the monthly contribution
After the printed-default walkthrough, keep 10 000 / 7% / 30y and compare 300/mo vs 600/mo — teaching only.
- Hold principal and rate — Leave 10 000 principal and 7% rate fixed from the printed defaults.
- Double the monthly line — Move contribution from 300 to 600. Watch years and contributions beat a 1-point rate tweak on this baseline.
- Re-read nominal vs real — Keep 2.5% inflation teaching on the real line so the second scenario stays honest.
- Optional goal-gap snapshot — Save A at 300/mo and B at 600/mo — compare inputs, not advice.
On these defaults, doubling the monthly contribution is a second worked decision before you chase a higher rate.
Educational illustration only. Not financial advice.
Three worked totals
Illustration only. Not financial advice.
How to read this calculator
Are these numbers a forecast or financial advice?
Which lever usually moves the end balance most?
Why is the contribution monthly if the rate is annual?
What does goal-seek answer?
Should I read the nominal or the real balance?
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