Portfolio buckets
3
Track tax-deferred, tax-free, and taxable brokerage balances separately.
FutureFolio is built for DIY retirement planning and helps you project growth across Roth, 401(k), IRA, and taxable brokerage accounts, compare planning scenarios, and estimate how portfolio balances may support retirement income.
Track tax-deferred, tax-free, and taxable brokerage balances separately.
Compare conservative, base, and aggressive assumptions side by side.
Switch retirement planning views to match how you actually budget and think.
Move from contribution assumptions all the way to retirement income targets.
FutureFolio is designed around a simple planning flow so you can move from raw balances to a more useful retirement view without guessing what to do next.
Start with your current Roth, traditional, IRA, and taxable brokerage balances plus annual contributions.
Adjust returns, contribution growth, and timeline assumptions to compare conservative, base, and aggressive outcomes.
Translate projected balances into income estimates so you can judge whether the plan supports your target lifestyle.
Instead of looking only at ending balances, the calculator helps you understand how savings rate, expected returns, time horizon, and withdrawal assumptions work together.
Model each tax bucket separately so portfolio structure stays visible throughout the projection.
Test conservative, base, and aggressive scenarios without losing your place in the workflow.
Translate future balances into projected retirement income and compare the result to your target.
The calculator brings scenario controls, growth charts, and income planning into one place so you can move from assumptions to decisions faster.
Enter current balances for tax-deferred, tax-free, and taxable brokerage accounts.
Set contributions, expected returns, contribution growth, and the number of years you want to model.
Review the charts, compare scenarios, and use the income planner to see how each path affects retirement readiness.
Evaluate multiple outcomes without rewriting your whole set of assumptions each time.
See whether your long-term results are being driven more by new savings or by compounding.
Connect portfolio size to after-tax income estimates so the tool supports planning, not just projection.
FutureFolio is a retirement planning calculator built to help investors see how different account types may grow over time and how those balances could translate into future retirement income. Instead of focusing on a single ending number, it helps you compare assumptions across tax-deferred, tax-free, and taxable brokerage accounts so you can plan with more context.
Test contribution changes, return assumptions, and time horizons without rebuilding your whole plan from scratch.
Use the tool to connect balances, compounding, and withdrawal assumptions to practical retirement goals.
Many retirement calculators hide account structure or make it hard to compare scenarios clearly. FutureFolio keeps each tax bucket visible so you can understand whether your plan depends more on new savings, long-term growth, or withdrawal assumptions.
Keep Roth, traditional, and taxable balances separated so tax treatment stays visible during planning.
Review conservative, base, and aggressive cases side by side to understand the range of possible outcomes.
Start with your current balances, compare multiple scenarios, and use the retirement income view to understand what your assumptions may support over time.
Open the calculator and start modeling right away without creating an account.
Use your own assumptions to explore scenarios without turning the tool into a sales conversation.
See how conservative, base, and aggressive assumptions change the long-term picture.
Start with your current balances for each account bucket, then add annual contributions, expected return assumptions, contribution growth, and the number of years you want to project.
Build a base case first, then create more conservative and more aggressive scenarios by changing savings rates, expected returns, or retirement timing. Comparing multiple cases makes it easier to see how sensitive your plan is to each assumption.
Pay attention to how much of the projected result comes from contributions versus investment gains and how the final portfolio may translate into retirement income. Those views can be more useful than a single ending balance.
Use the calculator to test whether your current savings path, expected growth, and withdrawal assumptions are likely to support your target income. Then adjust contributions, timeline, or return assumptions to see what changes improve the result.
