Compound growth

Separate future value into contributions versus hypothetical earnings.

This growth path can help you think about how much should I save for retirement inside household finances, holding the entered return constant.

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

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Example report

Illustrated results

Future value

$264,122

Total contributions

$130,000

Estimated earnings

$134,122

Years

20

Contributions vs earnings

Assumptions

  • Monthly contributions are assumed at month-end with a constant annual return converted monthly.
  • Past performance does not indicate future results. This is a hypothetical projection.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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