Work out what a lump sum and monthly contributions
grow into over time. See the final pot, what that is worth in today's money,
and what long-term capital gains tax might take after you use your annual
tax-free capital gains amount each year. Numbers update as you type, and
your inputs are saved in this browser so you can come back later.
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Future value
—
nominal at the end
In today's money
—
inflation-adjusted
After LTCG tax
—
net proceeds
After tax, today's money
—
what the net is worth now
You put in
—
total contributions
Tax on exit
—
long-term capital gains
Growth over time
Breakdown
Year by year
Year
Paid in
Growth
Tax-free realized
Balance
Today's money
How this is worked out
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.
Important disclaimer
Picksmith provides information, analysis, opinions, and tools for general informational and educational purposes only. Nothing on Picksmith should be considered investment, financial, legal, tax, or other professional advice. Picksmith does not account for individual objectives, financial circumstances, risk tolerance, or personal needs. Past performance is not indicative of future results. Picksmith is not a registered broker-dealer, securities dealer, investment adviser, investment bank, or financial adviser.
