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Starting balance ($)

Monthly contribution ($)

Contribution increase per year (%)

Set this if you expect raises to lift what you save.

Years of saving

Years of withdrawals after that

Set to 0 to model saving only.

Annual withdrawal ($)

Method

History to draw from

Annual fee (%)

0.05% is a cheap index fund. 1% is a typical advisor.

Inflation (% a year)

Simulations to run

Seed

The same seed always produces the same result, so a shared link reproduces exactly.

Show results in today's dollars

Recommended. $1,000,000 in 40 years does not buy what it buys now, and a nominal figure that far out is not a number anyone can reason about.

The range of outcomes

The middle line is the median. The bands around it show where the middle 50% and the middle 80% of simulations landed.

Where balances ended up

Ending balance by percentile
Outcome	Ending balance	Meaning

What the fee costs you

What this assumed

Educational content only, not financial advice. These are model outputs, not forecasts. Historical distributions may not describe the future, and no simulation can tell you what markets will actually do. Consult a qualified professional before making financial decisions.