Forecast — Allocation & Growth Planner

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Projected value

Total you invested

Growth earned

+$0

$3,000/mo

$36,000 / yr

$0$10,000

Custom $ type any amount

Extra contributions

Allocations

Allocated 100%

Unassigned: $0 — add a percentage allocation, or raise a fixed amount, to put it to work.

Total deployed$3,000 /mo · $36,000 /yr

Advanced settings

Contribution growth Off

Raise your monthly budget by this much every year as income grows.

Annual raise3%

Index monthly caps Off

Any per-allocation monthly caps (like an annual IRA contribution limit) rise over time — historically ~2%/yr.

Cap growth2%

Show in today's dollars Off

Discount the future value by inflation so the headline reflects real spending power.

Inflation rate3%

Capital gains tax Off

Applied to gains in every allocation except those marked tax-free (toggle per card in Advanced).

Long-term rate15%

Realistic range Off

Markets zigzag. This runs 300 randomized paths around your rates and shades the 10th–90th percentile band on the chart. Allocations set to 0% stay principal-only.

Annual volatility15%

Broad market ≈ 15–18% · single stocks ≈ 25–40% · crypto ≈ 60%+

Withdrawal phase Off

When the growth years end, contributions stop and withdrawals begin — pulled proportionally from all allocations, modeled up to 50 more years.

Initial withdrawal rate4%

Yearly raise · keeps pace with inflation3%

Pay taxes on withdrawals

Monthly income at first—

Your money lasts—

If markets do badly—

Typical markets—

If markets do well—

Reach a goal Off

Enter a target and a deadline. Answers update as you change anything.

I want to have$ Withinyears

Invest this much each month—

Or, at your current amount—

Years20 yrs

Return on all allocations 10%

Per-allocation outcomes

Projected · year 20

Live plan

Milestones

Ready to start?

You've seen the plan — now open an account to fund it.

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What your money earns each year

How much is growth—

Every $1 you add becomes—

Your money doubles about every—

By the end, your investments pay you about—

The last 5 yrs create—

Growth added that yearYou put in each year

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Educational estimates only. Projections are hypothetical and based on user-entered assumptions. This is not financial, tax, legal, or investment advice. No projection guarantees future results. Real markets rise and fall unpredictably; taxes, fees, and contribution limits are simplified. Nothing you enter leaves your device. Consider talking with a qualified financial professional before acting on any plan.