Money, translated into freedom

Net Worth Simulator

Change the assumptions. See what your money could grow into — and what that portfolio could actually pay you in retirement.

Private by design. The math runs in your browser. Nothing you enter is sent to Red Margin, Reid, or saved by this tool.

Your assumptions

Build the hypothetical.

Starting point

Current age Retirement age Current Roth IRA$ Current taxable investments$ Other net worth todayCash + home equity + other assets − debt. This amount is held flat in the projection.$

What you keep investing

Contribution amount$ Frequency Contribution growth%How much you expect contributions to rise each year. Annual Roth limit$Assumes direct or backdoor Roth eligibility.

Increase the Roth limit with inflation in future years.

Pay yourself first → Roth$0/yr

Then → Taxable investing$0/yr

Growth assumptions

Expected annual return% Inflation%

Advanced assumptions

Withdrawal rate% Tax drag on taxable withdrawals%A simplified effective tax estimate — not your tax bracket. One-time future investment$ Invest it at age

Your money could pay you

Estimated spendable retirement income

$0/mo

$0 per year after estimated taxes

≈ $0/mo in today's purchasing power

Projected net worth$0At retirement age

Investment portfolio$0Roth + taxable

Roth balance$0Modeled as tax-free qualified withdrawals

Taxable balance$0Subject to your tax-drag assumption

Trajectory

Watch the snowball grow.

Projected net worth

Where it came from

Contributions vs. compounding.

Your contributions$0

Investment growth$0

Future You

What if you invested $500 more every month?

Try another amount$/mo

Extra portfolio at retirement+$0

Extra spendable income+$0/yr

Opportunity cost

What could today's purchase cost Future You?

Enter something you're thinking about spending today. We'll show what it could become if it were invested instead.

Potential value at retirement$0Could support about $0/yr of after-tax retirement spending.

This is a hypothetical, not a prediction.

Markets do not return the same amount every year. This model assumes the annual Roth contribution is made directly or through a backdoor Roth, ignores pro-rata and conversion complications, and treats qualified Roth withdrawals as tax-free. Taxable withdrawals use your editable effective tax-drag assumption; actual taxes depend on cost basis, gains, dividends, state taxes, and future tax law. Social Security, pensions, 401(k)s, HSAs, required minimum distributions, fees, and changing life expenses are not modeled unless you include them in your inputs.