Long-horizon modeling
Retirement
models
Project 401(k) growth with employer matching, then model
Roth IRA and HSA contributions across your chosen time horizon.
Year 0
Year 10
Year 20
Year 30
Illustrative compounding curve — actual growth depends on
contributions, match, and market performance.
Roth IRA projection
Qualified Roth IRA withdrawals in retirement are
generally tax-free, since contributions are made with after-tax dollars.
HSA projection
HSAs offer a triple tax advantage: pre-tax
contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.
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Clear assumptions, every time
- Returns are
compounded monthly and assumed constant — real markets fluctuate year to year.
- Roth IRA and HSA
contributions are modeled using the entered contribution amount.
- Figures are pre-tax
where applicable and don't account for future contribution limit changes.
- These are
planning projections. Markets fluctuate, and results are not guaranteed.