| Age | Years out | Projected balance |
|---|
Assumes contributions are made evenly throughout the year and growth is applied annually. Formula: balance = balance × (1 + growth) + annual contributions, repeated each year from today to retirement age.
This is a deterministic projection — it does not model sequence-of-returns risk, inflation, or market volatility. Use it as a benchmark, not a forecast.
Educational purposes only. This calculator illustrates mathematical concepts related to long-term investing and is not financial advice. Past market returns do not guarantee future results. Portfolios can lose value. The formulas assume constant returns and do not account for taxes, fees, inflation, or sequence-of-returns risk. Consult a qualified financial professional before making investment decisions.