What you should have if the market really paid its average — and what it actually paid you. Enter your numbers; every figure updates live.
The Contribution and Employer Match columns are pre-filled with the modeled amounts. Type your real numbers into any year to override — the result updates live. Clear a cell (or use “Restore all”) to return to the modeled value.
| Year | Age | Your income | Contribution % | Your contribution $ | Match % | Employer match $ | Total in | Years to grow | Grows to (@ avg) |
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See the same gap told as a story — two disciplined savers, the same start, two very different endings — and the four forces that open the distance between the market's advertised return and the number you actually keep.
Read The Two Retirements — the Accumulation series →A Capital Coordination Session is a focused look at what your money has actually kept — and what a coordinated plan would do with it. You leave knowing your real number, whether or not you change a thing.
Book a Capital Coordination Session →For educational and informational purposes only. Not investment, tax, insurance, or legal advice. The income path (SSA National Average Wage Index), savings-rate curve (Vanguard/EBRI), employer-match schedule (BLS/Vanguard), and balances (Federal Reserve 2022 SCF via the Center for Retirement Research) are drawn from primary sources; results are estimates and individual circumstances vary. Past performance is not indicative of future results.