Math Your Future · See the math behind your financial future

When does your money reach $100K, $250K, $500K and $1 million?

Put in four numbers. You'll see your path under a cautious, a middle and a hopeful return, and the year your money starts earning more than you add.

Your numbers

$
401(k), IRA and brokerage combined. Leave out your home.
$
What you add each month. This tool doesn't model withdrawals.
How is your money invested?

Cautious5%a weak stretch
Middle7%the usual case
Hopeful9%a strong stretch

Tap a card to see its timeline. Use − or + to change its return (after fees, before inflation).

Inflation per year
3%

…

Your milestone ladder

Bar: earliest (hopeful) to latest (cautious) age. Tap a row to see it on the chart.Black mark: the path you're viewing

Your three paths to age 85

Tap a path below to view it. Tap or drag on the chart to see your balance at any age.

Crossover

When your money starts doing the heavy lifting

…

What this assumes

    This is a model, not a prediction. Markets don't move in straight lines. Education only, not financial advice.

    Go further with your numbers

    This page shows how your money grows while you keep adding to it. The Money Lab covers what comes next: whether your money lasts once you live on it, tested against every real market since 1928; when to claim Social Security; your first required withdrawal and its tax bracket; your biggest lever; and your plan on one page. If you open the Money Lab on this same device, it starts with the numbers you typed here. Or get this Timeline by email, plus the numbers behind each new video.