A father and daughter share a joyful moment while saving money together, symbolizing the importance of financial literacy, planning, and building a secure future for the next generation.

Wealth Growth Forecaster

Forecast how your investments can grow over time—factoring in contributions, compounding, and smart financial habits. The EstateGather Wealth Growth Forecaster helps you visualize long-term returns, set financial goals, and build a roadmap to lasting wealth.

Forecast My Wealth

Enter Your Information

Using the Calculator

This calculator helps you estimate how much your investments could be worth by the time you retire. By entering your age, contribution plan, and return expectations, you’ll receive a clear forecast of your potential future wealth—along with insights on how small lifestyle changes could make a big impact.

Step-by-Step Instructions

1. Enter Your Current Age

  • Input your age today.
  • Why It’s Important: This defines your investment window and how many years you have left to grow your wealth.

2. Enter Your Target Retirement Age

  • Decide when you plan to stop working or transfer your assets.
  • Why It’s Important: The longer the timeframe, the greater the impact of compounding.

3. Enter Your Current Investment Balance

  • Input the total amount you’ve already invested.
  • Why It’s Important: This is your starting point—early savings provide the most compounding potential.

4. Add Your Monthly Contribution

  • Enter how much you plan to invest each month going forward.
  • Why It’s Important: Consistent contributions fuel steady growth and magnify long-term returns.

5. Set Your Expected Annual Return (%)

  • Choose a realistic annual return rate (e.g., 6–12%).
  • Why It’s Important: This determines how quickly your savings will grow each year.

Understanding the Results

Estimated Retirement Savings

  • See how much your investments may grow by retirement.
  • Why It’s Important: Helps you assess whether you’re on track to meet your financial goals.

Initial Balance

  • The amount you started with.
  • Why It’s Important: Shows how early savings contribute to final wealth.

Total Contributions

  • The cumulative amount you invested over time.
  • Why It’s Important: Helps you separate savings from growth and see how disciplined investing pays off.

Investment Growth

  • The total gains generated by compounding.
  • Why It’s Important: Highlights the long-term power of investing and reinvestment.

What If I…

This section shows how small changes in your monthly savings can generate huge gains over time:

  • Saved an Extra $100/month
    Adds $100/mo, creates over $870,000 in additional growth.
  • Skipped Daily Coffee
    Contributes $128/mo, results in over $1.1 million in additional wealth.
  • Gave Up Weekly Restaurant Visits
    Adds $200/mo, leading to nearly $1.8 million more by retirement.

Why It’s Important: Small lifestyle adjustments can supercharge your long-term financial outcomes without sacrificing your goals.

Tips for Getting Accurate Results

Use Realistic Return Estimates

Base your return rate on the historical performance of your chosen investments.

Contribute Consistently

Choose an amount you know you can maintain monthly.

Start Early

Even small amounts grow meaningfully with time.

Review the “What If” Scenarios

See the impact of small lifestyle changes.

Why Use This Calculator?

The EstateGather Wealth Growth Forecaster offers a fast, motivating view of your financial future. Whether you’re just starting out or already investing, this tool reveals how consistency, compounding, and simple changes can build life-changing wealth over time.