Median ending
$639k
Worst case (10th pct)
$359k
Best case (90th pct)
$1.16M
Growth multiple
2.41x
Balance over time — worst / median / best
5,000 simulated trials, shown as the 10th–90th percentile band around the median.
Nominal dollars. Each trial simulates a full random path of annual returns for your blended allocation (drawn from each asset class's long-run historical mean and volatility), applied to a starting balance plus regular contributions, with no withdrawals. The band shows the 10th–90th percentile range across 5,000 independent trials; the growth multiple compares the median ending balance to the total amount you put in (starting balance + contributions). Returns compound annually here, unlike the Investment Growth tool's monthly compounding — so the same inputs won't produce identical numbers across the two. A planning estimate, not financial advice.