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    Investment Growth & Savings

    Small decisions.
    A longer view.

    Compare two saving amounts and see how time, assumed returns, costs and inflation change the illustration.

    A young tree growing in a quiet garden beside a simple watering can.
    HomeResourcesInvestment Growth & Savings

    Explore your assumptions

    Compare two ways to save.

    Adjust the example amounts and assumptions using the fields or sliders, then select Calculate. Your entries stay in this open page and are not sent or saved.

    Your starting point

    Example values are illustrative assumptions. Adjust them for your situation, then select Calculate.

    Range: 0 to 100,000,000 $.
    Range: 0 to 1,000,000 $/month.
    Range: 0 to 1,000,000 $/month.
    Range: 1 to 60 years.
    Return, costs & other assumptions
    Same illustrative assumption for both scenarios.
    Include advisory and investment expenses; not a quoted UAA fee.
    Used to express the ending value in today’s purchasing power.

    Enter all required inputs to see your illustration.

    How this calculation works

    For each month, the prior balance is multiplied by [(1 + annual return) × (1 − annual cost rate)]^(1/12), then the fixed monthly contribution is added at month end. Both scenarios use the same starting balance, time horizon, return, fees and inflation. Contributions are held flat in dollars and do not stop or increase over the horizon.

    Net illustrative growth = ending value − starting amount − cumulative new contributions. It can be negative. Today’s purchasing power = ending value ÷ (1 + inflation)^years. The chart and contribution totals use nominal dollars.

    Taxes, contribution limits, withdrawals, transaction charges beyond the selected total cost rate, and market volatility are excluded. This is not an IRA contribution-limit tool. Smooth assumed returns do not reflect an actual investment path. No securities, portfolios or strategies are selected. Results change when inputs or model versions change.

    Model 1.1.0 · September 30, 2026

    Scenario inputs

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    Put your results in perspective.

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    Provided by United Advisors America, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. This illustration is hypothetical and educational, not a recommendation. See Form ADV and Form CRS at adviserinfo.sec.gov.