Three scenarios · one horizon

Where 29 years of contributions and compounding actually land.

Every balance below grows at the rate you set for its asset class. The band between the highest and lowest case is the part worth staring at — it is wider than most projections admit.

At age

Ideal

Average

Below average

Spread

Drag or hover across the chart to read any year. Debt is straight-lined from today's balance to the balance you expect at retirement.

Timeline ages 18–75

Current ageRetirement age

Your ages

Both ages are held between 18 and 75. Out-of-range entries snap back when you leave the field.

Assets

Current totalMonthly add

Balances accept whole dollars only, from $0 up to $1,000,000,000. Negative entries are rejected as you type.

Debts

TodayAt retirement

Annual return rates by scenario

IdealAvgBelow

Rates are held between −20% and 50% a year. A negative rate is allowed here so the below-average column can model a real decline in housing or crypto.

A shareable link carries your figures inside the URL. Nothing is written to the address bar until you press the button.

Retirement targets mirrors rows 22–25 of your workbook

	Net worth at retirement	401K / IRA fund	Retirement HYSA	Homestead value	Retirement invest homes	Retirement crypto	Retirement business	Retirement stock

Withdrawals mirrors rows 27–30 of your workbook

	401K/IRA fund available at target age	401K/IRA fund at retirement age (59)	Other funds target age	Yearly withdraws 4%	Yearly withdraws 4% at retirement age (59)

Use each scenario's own stock balance in "Other funds." Left unchecked, this page reproduces your workbook exactly — where E29 and E30 both reference I23, so Average and Below average pull the Ideal stock figure.