Enter your starting amount, regular investment, goal, and timeline. We will show whether you may be on track and what amount may be needed.
Your goal result
After 20 years, the estimated total investment value is $477,394. Your goal is $500,000.
Your goal
$500,000
Estimated total value after 20 years
$477,394
Still needed to reach goal
$22,606
Estimated amount needed: Invest about $795/mo instead of $750/mo. That is approximately $45 more each time you invest.
Your results, explained
Compare the amount you want with the estimated value of your current plan.
Your goal
$500,000
The total investment value you want after 20 years.
Estimated value after 20 years
$477,394
What your current starting amount and regular investments may become. It is not guaranteed.
Still needed to reach goal
$22,606
The difference between your goal and the estimated value of your current plan.
How your goal result is calculated
Your growth path
The shaded area shows lower and higher return examples based on your assumptions. It is not a guarantee.
You add
$205K
Estimated total value
$477K
Move across the chart or use the slider to inspect any month.
Amount needed to reach your goal
Estimated amount to invest monthly
$795
About $45 more than the $750 you currently entered.
Reality check
Scenario range
These examples use the return range entered in assumptions. They are not predictions.
Conservative
$477,394
If the annual return averages 7.0%
Base case
$477,394
If the annual return averages 7.0%
Optimistic
$477,394
If the annual return averages 7.0%
Milestones and annual detail
$100,000 milestone
5.8 years
$250,000 milestone
13 years
$500,000 milestone
Beyond 20 years
$1,000,000 milestone
Beyond 20 years
Your starting amount, regular investments, fees, yearly increases, and timing are calculated separately.
See how the estimated result changes when the annual return is lower or higher than expected.
Annual fees, estimated tax drag, transaction fees, and inflation remain editable throughout the projection.
Calculation standard
Questions, answered
It estimates what your starting amount and regular investments may become. It compares that estimate with your goal and shows how much you may need to invest each time to reach the goal within your selected timeline.
It is the total investment value you want at the end of your selected timeline. For example, you might enter a goal of $500,000 after 20 years.
Yes, slightly. A contribution made at the beginning of a month has one additional month to potentially grow. The effect is usually modest over a short period but can accumulate across a long timeline.
No. The calculator uses smooth hypothetical return assumptions for planning. Real investment returns vary, can be negative, and may arrive in a very different sequence than the model assumes.
The optional assumptions can reduce the estimated return for yearly investment fees and taxes, subtract transaction fees, and show what the future value may be worth in today's dollars after inflation.
They show how the estimated result changes if the average yearly return is lower or higher than expected. These examples are not predictions or guarantees.
No. It provides educational scenarios based on user-entered assumptions and does not recommend a security, account, allocation, or strategy. Consider actual product disclosures and appropriately qualified professional advice before acting.