Brokerage Modeler

Project a child's account with year-by-year gifts, or a constant annual contribution for a set horizon. All calculations run in your browser.

Your assumptions

Starting age Child's age when the account opens (year 0)

Starting balance ($) Initial account balance at year 0

Average CPI (%) Default ~US CPI 1975–2025 (BLS)

Average market growth (%) Default ~S&P 500 total return 1975–2025

Contributions in real dollars When checked, each gift amount is in year-0 real dollars and grows with CPI before deposit.

Year 0 is when the account opens. Add a row for each year you plan to contribute; years without a row contribute $0.