STRATEGIC INTELLIGENCE. CONFIDENT DECISIONS.
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Explore how an initial investment and regular contributions could add up. Choose the assumptions that fit your question.
Market overview
Latest available completed daily observations. Data is checked automatically; each card shows its own market date. Quotes may be delayed.
U.S. Treasuries
Latest available daily par yields. Yield movements are in basis points (1 bp = 0.01 percentage points).
These are yield-curve benchmarks, not individual bond quotes. Bond closing prices are awaiting a verified security-level source: each quote needs its coupon, maturity and identifier. No price is inferred from the yield. Treasury does not publish a 15-year point in this table; that option remains awaiting a matching bond.
Look ahead
All returns below are assumptions you can change. They are not forecasts or historical averages.
Changing the label does not change the assumed return. Cash savings means money earning the interest rate you enter. Treasury scenarios use your assumed total return; a quoted yield is not automatically the return from selling a bond early.
Default: 2.51% annualized U.S. CPI inflation over August 2006–August 2026. Calculated from CPI-U index levels 203.9 and 334.980. Editable for future scenarios; the historical rate does not predict future inflation. BLS source
Illustrative ending value
Solid gold: central scenario in future dollars. Dashed blue: the same scenario in today’s dollars. Other solid lines: lower and higher return assumptions.
Fixed annual returns converted to equivalent monthly rates; contributions made at the end of each month. Returns may be negative. Monthly contributions stay fixed in nominal dollars. Today’s-dollar purchasing power equals the central value divided by (1 + selected inflation) raised to the elapsed years. These scenarios do not describe the likelihood of an outcome.
Look back
What would a single investment in the S&P 500 have become? Use observed annual total returns, including reinvested dividends, through the October 2, 2026 close.
Adjusted for inflation
Solid gold: dollars at each observation. Dashed blue: purchasing power in the start-year dollar basis.
Start means the prior year’s final close, immediately before the selected calendar year. The chart connects annual observations; it does not show daily movements. A single initial investment, no later contributions or withdrawals. Nominal USD before fund fees and taxes; index performance, not an actual fund account. Returns are rounded to two decimals, so results are approximate.
Historical source: Slickcharts annual S&P 500 total returns. The 2026 observation is a partial-year return through October 2, not a full-year assumption. This saved historical dataset does not update automatically. Historical results do not change the future scenario’s assumed return. Inflation uses actual, unadjusted U.S. CPI-U, not the forward calculator’s inflation setting. BLS CPI dataset. CPI adjustment = ending value × starting CPI ÷ ending CPI. August 2026 CPI is used for the latest endpoint because October CPI is not yet available.