Contribution timing
Monthly mode compounds twelve times per year with a contribution each period. Annual mode compounds once per year.
Compounding growth visualizerSee how contributions and
See how contributions and
time can compound.
Illustrate growth under your own assumptions. Optionally compare a fee-drag path — without storing your numbers.
Your assumptions
Transparent math, not a prediction
Change the return, contribution pace, and horizon. Nothing here is personalized advice.
Educational illustration only
This visualizer shows arithmetic compounding under assumptions you enter. It is not a forecast, guarantee, or personalized recommendation.
Modeled ending balance
- With your assumptions
- $665,857
- Total contributions (excl. start)
- $120,000
| Year | Modeled balance | Contributions so far |
|---|---|---|
| 1 | $113,461 | $6,000 |
| 5 | $177,768 | $30,000 |
| 10 | $288,013 | $60,000 |
| 15 | $444,300 | $90,000 |
| 20 | $665,857 | $120,000 |
All math runs in your browser. Balances and rates are not sent to analytics or stored by this tool.
Methodology
How the illustration works
Assumed return
You enter the gross annual return. There is no default “market average” presented as advice.
Fee drag
Optional. Subtracts your entered annual fee percentage from the assumed return before compounding.
Excluded factors
Taxes, inflation, sequence risk, withdrawals, changing fees, and product constraints are not modeled.
Visualizer FAQ
How to read the result
Is this a retirement forecast?
No. It is an educational illustration of arithmetic compounding under assumptions you enter. Markets, taxes, withdrawals, and fees can differ.
What does fee drag mean here?
When enabled, fee drag subtracts an annual percentage you enter from the assumed return before compounding. Use the advisor fee calculator to estimate a visible-cost rate from a fee schedule.
Are my numbers stored?
No. Calculations run in your browser. Exact balances and rates are not submitted to Roll My Retirement by this tool.