Compare Three Savings Scenarios Side by Side
Results
Visualization
How It Works
Each scenario is a future-value of an annuity: monthly contributions compounded at the scenario return over the chosen years. We compute the balance year by year for all three and plot them together. Because both the contribution and the return differ, the gaps widen with time as compounding multiplies the advantages. The chart makes the long-term divergence visible, while the outputs report the final balances for quick comparison.
What Should You Do?
Use scenarios to bracket reality: a conservative, a middle, and a stretch plan. The stretch plan shows what is possible if you save more or earn more, which can motivate higher contributions. Remember returns are assumptions; a higher scenario return also means higher risk of falling short. Pick the scenario whose monthly number you can actually sustain, then automate it. Revisit the comparison yearly as your income grows.
Frequently Asked Questions
Why do the lines diverge so much?
Both contribution and return differ, and compounding multiplies the gap over time, so small early differences become large later.
Are the returns guaranteed?
No. They are assumptions you enter. Higher assumed returns carry higher real-world risk.
Can I compare fewer than three?
Yes, just set two scenarios equal or adjust inputs; the tool always shows three lines.
Should I max the return assumption?
Only if you accept the risk. A mid assumption is usually the more honest planning base.