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How do the 30-year projections work?

The projections run the scenario forward month by month for up to 30 years. They use the balances, payments, interest rates, contributions and return rates you entered.

Any monthly surplus and extra debt payment are directed to debt. When one debt is cleared, its payment is carried to the next. Once debt is gone, available money accumulates as savings while investment items continue to use their entered contributions and return assumptions.

The charts show Savings, Debt, Interest and Net Position at yearly points.

Worth knowing: This is a planning estimate. It does not predict rate changes, markets, inflation, tax, fees or life events.