Chance of reaching the goal
Calculating…
Monthly saving needed for chance
Holding today's amount, the yearly increase and the horizon fixed; ignores the SRS cap.
Returns vary from month to month and good or bad stretches compound, so the longer the horizon, the wider the gap between good and bad outcomes. The dashed line follows the middle of the worst 10% of futures; the dotted line shows the same savings held in cash.
Show the numbers
This is how deep a slump you would have had to sit through. In half of the simulated futures the largest fall is at least the "typical" value; in 1 in 20 it is worse than the left end.
Show the numbers
SRS compared with investing the same money outside SRS
The comparison doesn't value the loss of access: money in SRS can't be withdrawn before the statutory retirement age without full tax and a penalty, while money outside SRS can be used at any time. Simplified: the overall relief cap is assumed not to bind; tax brackets are held at today's values.
Assumptions and sources
What this page uses, and on what terms
Method, validation and every rule: the project's docs/cma.md, docs/simulation.md and docs/decisions.md.