Wealth Planners
Model compound growth, plan Roth IRA contributions, and estimate your retirement runway.
01 — Compound Growth
Compound growth is the process by which investment returns generate their own returns over time. A starting balance combined with regular monthly contributions and a reasonable long-term return assumption can grow substantially over decades — the earlier the contributions start, the more time compounding has to work.
This tool uses a standard monthly-compounding formula. Results depend on the contribution, return, and time assumptions entered.
Estimate future value from contributions and return.
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Total Contributions
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Estimated Growth
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02 — Roth IRA Planning
Contributions are made with after-tax dollars, so qualified withdrawals in retirement are generally tax-free.
The IRS sets annual limits and income eligibility rules that change periodically — verify current figures before contributing.
Contributions (not earnings) can typically be withdrawn without penalty, offering some flexibility versus other accounts.
Project a retirement balance from today's inputs.
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Total Contributions
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Estimated Growth
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03 — Retirement Runway
A retirement runway estimate combines your current savings, ongoing contributions, time horizon, and an assumed growth rate to project a future balance. It's a directional planning tool, not a precise forecast — actual market returns vary year to year.
Revisit this projection periodically as income, contribution levels, and time horizon change.
04 — Contribution Strategy
Scheduled transfers remove the decision from each paycheck and keep contributions consistent.
Raising the contribution rate alongside raises keeps savings proportional over time.
Balancing pre-tax and after-tax accounts can offer flexibility across different retirement tax scenarios.
Wealth building works best alongside a clear plan for reducing high-cost debt.