Most investment calculators stop at a big future number. This one keeps going: pick a mix with stated planning assumptions, subtract your fund fees, and optionally discount by 2% inflation so the answer lands in today's dollars. The default — $25,000 plus $500 a month in a balanced mix for 15 years at a 0.5% fee — reaches $184,386, worth $137,001 in today's money. The fee line is the eye-opener: even half a percent quietly takes $9,235 over the period.
Planning assumptions, stated on each mix: about 4% conservative, 5.5% balanced, 6.5% growth and 7.5% aggressive, before fees. They are long-run figures for thinking with — not forecasts. Real returns arrive in lumps, droughts and crashes that average out only over decades.
Compounding works on costs too. At the default inputs a 0.5% MER costs $9,235 over 15 years; slide the fee to a typical 2% mutual-fund MER and the same portfolio surrenders about $34,000. Fee differences compound exactly like returns — permanently.
Because $184,386 fifteen years from now buys roughly what $137,000 buys today at 2% inflation. Future-dollar figures flatter every long-term plan; the today's-dollars toggle is the honest yardstick for whether the plan actually funds the life you have in mind.
No — it is arithmetic on assumptions you control. It knows nothing about your taxes, account types or risk tolerance. Use it to sanity-check what an advisor or robo-advisor projects, and to see the fee line that pitch decks rarely volunteer.
Every calculator runs from one config: your name, your colours, your prices. Brand it below, open any tool from the catalogue, and finish a quote — the lead lands in the table here the moment the estimate unlocks. On your own site the widget works exactly like this.
| Captured | Name | Contact | Tool | Job value |
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| No leads yet — run any tool in the catalogue and finish the quote. | ||||
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