INVESTMENT CALCULATOR

• Growth. Monthly compounding at your expected annual return ÷ 12. Monthly contributions are added at the end of each month for the “Contribute for” years only — after that the pot keeps growing with no further deposits. Contribution raise increases the monthly amount once per year while you are still contributing; set it to 0 to keep the monthly amount fixed.
• Today's money. Future amounts are divided by (1 + inflation)^years so you can compare purchasing power to today.
• Cost basis. Starts as your lump sum. Every contribution adds to basis. Gains = balance − basis.
• Annual tax-free amount. Each year (if enabled) you realize up to that amount of unrealized gain with no tax. Realized gain steps up your cost basis; the money is treated as staying invested. At final sale, any remaining gain is taxed at your LTCG rate. “Only once at exit” applies a single tax-free slice when you sell instead.
• Not included. Dividends taxed yearly, wash-sale rules, state tax, NIIT, SA inclusion rates beyond the effective rate you enter, fees, or sequence-of-returns risk.

Educational tool, not tax or investment advice. Check anything that matters with a qualified adviser.