Calculator

Play with a plan

Move the amount, the years, the risk band and the return, and watch the outcome move with them. This uses EconCERF’s planning engine and current governed assumptions. It is an educational illustration, not your personal plan. Nothing here is saved.

Starting amount$5,000

Every month$300

Your $300 keeps its buying power. Every month for 20 years you are putting in what $300 buys today.

Your bank would show $300 now, rising slowly to $454 by the last year. That $454 is worth $300in today’s value, so what you give up stays the same.

Years until you need it20 years

Risk band4 · Balanced

A 20 year runway allows up to band 6 · Aggressive Growth. Bands above it are switched off, because EconCERF would not build a plan that way at this runway.

Let me look past my runway. Turns on the bands above band 6 so you can see the arithmetic. EconCERF would not build a real plan this way at this runway, and the figures stop describing anything you could be given.

Expected future value

$164,575

$108,605 in today’s money · you will have put in $94,194, worth $77,000 today

Gross of costs and excluding tax.

From the platform’s long-term planning assumptions (CMA as of 2026-06-01), range method v1, careful estimates, not promises. How the range is built

Lower

3.0% a year

$127,899

$84,402 today

Expected

5.3% a year

$164,575

$108,605 today

Higher

7.6% a year

$214,291

$141,413 today

If returns came in…5.3% a year

Band 4 is planned at 5.3% a year. These move that up or down by one or two points and leave everything else alone, so you can see what the return on its own does to what you put in. Nothing here touches a real plan.

These are illustrations, not predictions. Actual results may fall outside this range.

Where the range comes from · F3 Why the runway picks the band · F2 What costs do to all of this · F4

Educational content only, not investment advice. Figures are gross of costs and exclude tax. The assumptions are the platform’s governed long-run figures, not a forecast of what any particular investment will do, and the Lower and Higher figures are a spread of outcomes rather than a best or worst case. Back to EconCERF