📊Future Calculator
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🎓 Plan your money before graduation

Your loans, your retirement, and everything in between.

Enter your numbers once. Watch your debt shrink, your savings grow, and the exact month it all crosses over into a life you built.

💳 Debt payoff

Add every loan you're carrying — student loans plus anything else, like a car loan, mortgage, or credit card. Extra payments are applied avalanche-style across everything — highest interest rate first — since that's the mathematically fastest way to become debt-free.

🎓 Student loans
🚗 Other loans — car, mortgage, credit cards, etc.
Some students are also paying off a car, rent-to-own, credit card, or even a mortgage while in school — add those here so your full debt picture is accurate.
Extra payment
$
Applied to whichever loan — student or otherwise — has the highest interest rate. Even $50/month extra can cut years off your debt and save serious interest.
Total balance remaining

🏦 Retirement savings

Model a 401(k) or IRA from today through retirement, including any employer match — free money that's easy to leave on the table.

You
$
Income and contributions
$
%
%
%
Employer matches your contribution rate dollar-for-dollar, capped at this percent of salary.
Growth
%
7% is a common long-run estimate for a diversified stock/bond mix, after fees, before inflation.
Total balance Total contributed (yours + employer)

📈 Investment growth

Model a taxable brokerage account or other investing goal — separate from retirement — like saving for a house, or just building wealth on your own timeline.

Starting point
$
$
%
A raise, bonus, or just habit — many investors increase contributions annually.
Growth and time
%
yrs
%
Nominal value Real value (inflation-adjusted) Total contributed

✨ Your future, all together

Combines your loan payoff, retirement account, and investment account into one timeline, from today to your retirement age. Uses the numbers you entered in the other three tabs.

Loan balance (owed) Retirement balance Investment balance Net worth (assets minus debt)