Not Financial Advice: This tool is for educational purposes only. Results are projections based on your inputs and simplified assumptions.

Key Assumptions: Calculations assume steady annual growth, constant tax rates, monthly contributions at month start, and no market volatility, emergencies, or changing life circumstances.

Limitations: This calculator does not include state taxes, inflation effects on contributions, changing tax laws, market crashes, or personal financial emergencies. It does not model withdrawals or distributions before retirement, required minimum distributions (RMDs), early withdrawal penalties, or inflation on contributions. Results assume no market volatility, job loss, or other unexpected events.

Professional Guidance: Consider consulting with qualified financial advisors who can provide personalized advice for your complete financial situation and account for factors not modeled here.