Interactive tool
What could waiting cost you?
Putting it off never feels like a decision. Put your own numbers in and it becomes one, with a figure attached.
Estimated portfolio value at target date
in future dollars
Start now
$656,657
All Equity — the mix a 40-year runway warrants
Start in 5 years
$463,128
All Equity — the mix a 35-year runway warrants
What the wait costs, by the same target date
$193,529
≈ $84,278 in today’s money. You skipped $18,000 of deposits along the way — the gap is 10.8× that, and the difference is compounding the late start never gets back.
An illustration, not a projection of your plan, and not advice to start or to wait. Nothing here is saved and nothing reads your goals. It assumes someone who could carry a high level of risk both in what their circumstances allow and in what they could sit through — the same saver F1 follows — and then lets the runway decide the mix, exactly as the platform does when it builds a real plan: 40 years warrants All Equity at an expected 6.53% a year, computed from the platform’s current Capital Market Assumptions weighted by that band’s asset mix. Nominal figures are before costs and taxes; today’s-money figures use governed long-run inflation of 2.1%. An expectation, not a promise — real years arrive in any order.