Investment Calculator
Planning for your financial future is like mapping out a road trip — you might not know exactly what will happen along the way, but having a plan helps you make better decisions and stay on track toward your destination. While markets, life events, and personal circumstances can change without warning, running the numbers in advance gives you a clearer view of what’s possible. This investment and retirement calculator is designed to help you explore different scenarios, set realistic expectations, and stay motivated as you work toward your goals.
You can also use the Actuals tab to track your real-world progress in the actuals table, making it easier to see how you’re doing compared to your projections.
See the Investment Calculator How to Guide for detailed information on how to use this calculator.
All of your data is saved directly in your browser — nothing is stored on servers — which keeps your information private and under your control.
You can also export your data at any time, allowing you to save a personal backup or transfer your progress to another device or browser. See the Managing Your Data: Export, Import, and Reset page for more detailed information.
Investments (or Non-Retirement)
Enter your starting balance, recurring deposit, rate of return, start month/year, and years to save. When retirement is enabled, this becomes your 'Non-Retirement' section for funds you can access before retirement age.
Retirement Section
Disabled by default, but can be enabled to separate retirement from other investments. Great for early retirement planning or applying a different investing strategy.
Custom Deposits
Increase recurring deposits for specific months or set automatic annual increases. Helps you commit raises or reduced expenses to your investments.
Safety / Reach Scenarios
View best and worst-case scenarios by adjusting deposits and rate of return. See a realistic range of outcomes instead of a single number.
Rate of Return Examples
Market index funds: ~7–10%, Bonds: ~2–5%, CDs: ~1–4%.
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