Key takeaway
Run a realistic base case first, then change one assumption at a time so the chart remains easy to interpret.
Separate principal from growth
Your future balance contains the starting amount, ongoing contributions and estimated growth. Keeping them separate shows how much of the result came from your own cash.
Match contribution frequency
Enter monthly savings as monthly contributions rather than converting them to an annual lump sum. Timing changes the amount of time each contribution can grow.
Stress-test the result
Compare a conservative and optimistic return, then use an inflation view to understand what the future balance may buy in today's money.
