YOUR NEXT CHAPTER, CONSIDERED

A little today.
More possibility
tomorrow.

Explore the choices behind an investment plan. Contributions, fees, time and uncertainty — all in the open.

Growth you can exploreCosts you can seeNumbers that stay local

THINK IN YEARS.
START WITH A STEP.01Your plan. Your pace.

SET YOUR OWN ASSUMPTIONS

A plan starts with
a few good questions.

Starting investment ($)Monthly contribution ($)Time horizon (years)Annual effective return (%)Ongoing annual fee (%)Annual inflation (%)Monthly deposit timing

A useful detail

The return is your constant assumption, not a prediction or a current product rate. Negative returns are supported. The annual effective return converts to an equivalent monthly rate; fees are charged monthly after growth, before an end-of-month deposit. Taxes and transaction costs are excluded.

ILLUSTRATED AFTER 20 YEARS

$215,589

Projected balance after modelled ongoing fees, before tax.

2 points lowerYour assumption2 points higher

You contribute$130,000

Modelled growth, net of fees$85,589

Ongoing fees charged$9,795

Balance difference with zero fees$13,846

The lower/higher lines change only the annual return assumption. They are not probability bands, forecasts or risk classifications.

Keep the useful
conversation going.

Ask a question about the site or worksheet. This is not an application or an instruction to invest. You choose whether any calculation context is included.

A PERSON, WHEN YOU NEED ONE