Monthly compounding · real (inflation-adjusted) returns
Scenario
Assumptions
Real return0%
After inflation. Historical US equity real return is ~6–7%.
Effective tax rate0%
Savings rate (after tax)0%
Annual raise0%
Optional additional income
Starts in
years
Your numbers, your scenario. Inputs are not saved by this calculator.
How to read this. The return slider is a real return, so every dollar
shown is in today's purchasing power. No separate inflation adjustment needed.
What this ignores. Capital gains tax on withdrawal, employer 401k match,
healthcare costs before Medicare, one-time expenses, sequence-of-returns risk,
and every year that doesn't go according to plan.