Your Financial Goal

What do you want to find?

Current Savings

Expected Annual Return (%) S&P 500 historical: ~10%

Target Goal Amount

Years to Reach Goal

Your Plan

Starting Amount

Total Contributions

Investment Growth

Final Amount

Explore how changing variables affects your goal:

Start Early

Time is your greatest ally. Starting 10 years earlier can reduce your required monthly contribution by 50% or more thanks to compound growth.

Increase Contributions Over Time

As your income grows, increase your savings rate. Even small annual increases (5-10%) can significantly accelerate goal achievement.

Maximize Tax-Advantaged Accounts

Use 401(k)s, IRAs, and HSAs first. Tax savings can boost your effective return by 1-3% annually.

Stay the Course

Market volatility is normal. Stick to your plan during downturns - consistency over decades is what builds wealth.