Contributions and growth — when they add up
The year work becomes optional
You — applies to every outlook
19 years to go on this outlook
$
$
When the mortgage ends
Applies while you are still working — retired, the payment ending already lowers what you draw
Base case
You can retire at 59.
That’s 19 years from now, in Jan 2045, with $2,933,489 at its peak and $629,671 still there at 95.
mortgage ends 55
19 more working
36 retired
40 todayretire at 5995 and still funded
You can stop working at
59
Same as the market as it stands, at 59
Peak balance
$2,933,489
Grown by $7,404,087 over the whole run
Employer match collected
$134,098
On top of $442,904 of your own
Left at 95
$629,671
The money outlasts the plan
What the portfolio is worth
Hover the chart to read any age
This outlookMarket as it stands
When the portfolio can carry you
Where the green line passes the red one, work becomes optional
What stopping that year would pay, every year afterWhat a year costs, inflating
Where the money sits
Hover the chart to read any age
401(k)BrokerageHigh-yield savings
What each year adds, and what it takes
Above the line the balance grows; below it, you're living on it
Your contributionsEmployer matchInvestment growthWithdrawals
Your accounts
Shared by every outlook — the market is what changes between them
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%
$/mo
%/yr
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%
$310,000 at 7%, $1,200 a month, rising 2% a year and matched 100% up to 4% of pay
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%
$/mo
%/yr
$95,000 at 6.5% and $500 a month
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%
$/mo
%/yr
$30,000 at 2% and nothing going in
Saved outlooks
Edits are saved automatically and stay put between visits
pts
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Spends the slowest-growing money first, leaving the best compounding untouched longest.
returns as they stand, 2.5% inflation and $85,000 a year
pts
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Spends the slowest-growing money first, leaving the best compounding untouched longest.
3 points off returns, 3.5% inflation and $85,000 a year
pts
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Spends the slowest-growing money first, leaving the best compounding untouched longest.
2 points onto returns, 2% inflation and $85,000 a year
pts
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Spends the slowest-growing money first, leaving the best compounding untouched longest.
returns as they stand, 2.5% inflation and $65,000 a year
Taxes and Social Security are not modelled yet — contributions and withdrawals are counted gross, and 401(k) limits are flagged but never enforced. Retirement age is the earliest one whose money still reaches the age you set, and every outlook is measured against the market exactly as it stands today. Press P to present, ← → to move between outlooks.