BetterOff

Previous value: -"Annual fees (%) — Deducted from the assumed annual return."New value: +"Annual fees (%): Deducted from the assumed annual return."

Previous value: -"Annual return (%) — Nominal, before inflation."New value: +"Annual return (%): Nominal, before inflation."

Previous value: -"Contribution timing — Whether each monthly contribution is added before or after that month's growth."New value: +"Contribution timing: Whether each monthly contribution is added before or after that month's growth."

Previous value: -"Contribution cadence — How often the calculator makes an equal DCA purchase."New value: +"Contribution cadence: How often the calculator makes an equal DCA purchase."

Previous value: -"Annual yield on uninvested cash — Yield earned while cash waits for later DCA purchases."New value: +"Annual yield on uninvested cash: Yield earned while cash waits for later DCA purchases."

Previous value: -"End price — The price used to value both strategies at the end."New value: +"End price: The price used to value both strategies at the end."

Previous value: -"Fee per purchase — A flat trading fee deducted from every scheduled purchase."New value: +"Fee per purchase: A flat trading fee deducted from every scheduled purchase."

Previous value: -"Horizon (years) — How long DCA takes to invest the full amount."New value: +"Horizon (years): How long DCA takes to invest the full amount."

Previous value: -"Market scenario — A simplified price path for comparison, not a market forecast."New value: +"Market scenario: A simplified price path for comparison, not a market forecast."

Previous value: -"Start price — The price used for the lump-sum purchase and the first DCA purchase."New value: +"Start price: The price used for the lump-sum purchase and the first DCA purchase."

Previous value: -"Total investment — The same total is invested all at once or divided across the DCA schedule."New value: +"Total investment: The same total is invested all at once or divided across the DCA schedule."

Previous value: -"Illustrative path swing (%) — Controls a deterministic sine-shaped price swing. It is not statistical volatility or a forecast."New value: +"Illustrative path swing (%): Controls a deterministic sine-shaped price swing. It is not statistical volatility or a forecast."

Previous value: -"Insurance deductible reserve — Optional reserve for the largest likely health, home, or auto deductible not already in monthly expenses."New value: +"Insurance deductible reserve: Optional reserve for the largest likely health, home, or auto deductible not already in monthly expenses."

Previous value: -"Monthly essential expenses — Housing, food, utilities, insurance, debt minimums."New value: +"Monthly essential expenses: Housing, food, utilities, insurance, debt minimums."

Previous value: -"Monthly savings rate — Amount directed toward this goal each month."New value: +"Monthly savings rate: Amount directed toward this goal each month."

Previous value: -"Extra variable-income buffer (months) — Optional additional coverage for commissions, contract work, seasonal income, or a single-income household."New value: +"Extra variable-income buffer (months): Optional additional coverage for commissions, contract work, seasonal income, or a single-income household."

Previous value: -"Annual investment growth (%) — Annual increase in the monthly investment amount."New value: +"Annual investment growth (%): Annual increase in the monthly investment amount."

Previous value: -"Annual expenses — Yearly spending to sustain after retirement."New value: +"Annual expenses: Yearly spending to sustain after retirement."

Previous value: -"Annual investment fees (%) — Deducted from the assumed return."New value: +"Annual investment fees (%): Deducted from the assumed return."

Previous value: -"Expected annual return (%) — Pre-inflation return on invested assets."New value: +"Expected annual return (%): Pre-inflation return on invested assets."

Previous value: -"Other annual retirement income — Pension, Social Security, or work income that reduces expenses funded by the portfolio."New value: +"Other annual retirement income: Pension, Social Security, or work income that reduces expenses funded by the portfolio."

Previous value: -"Safe withdrawal rate (%) — Percentage of portfolio withdrawn annually in retirement."New value: +"Safe withdrawal rate (%): Percentage of portfolio withdrawn annually in retirement."

Previous value: -"Token A price multiplier — 1.0 = unchanged, 2.0 = doubled, 0.5 = halved."New value: +"Token A price multiplier: 1.0 = unchanged, 2.0 = doubled, 0.5 = halved."

Previous value: -"Token B price multiplier — 1.0 = unchanged, 2.0 = doubled, 0.5 = halved."New value: +"Token B price multiplier: 1.0 = unchanged, 2.0 = doubled, 0.5 = halved."

Previous value: -"Optional category assumptions — Weighted household categories override the single general rate when supplied."New value: +"Optional category assumptions: Weighted household categories override the single general rate when supplied."

Previous value: -"Annual inflation rate (%) — This calculator assumes the same rate every year."New value: +"Annual inflation rate (%): This calculator assumes the same rate every year."

Previous value: -"Dividends received — Cumulative cash dividends over the holding period."New value: +"Dividends received: Cumulative cash dividends over the holding period."

Previous value: -"Fees paid — Cumulative fees not already reflected in the ending value."New value: +"Fees paid: Cumulative fees not already reflected in the ending value."

Previous value: -"Final value — Market value at the end of the holding period."New value: +"Final value: Market value at the end of the holding period."

Previous value: -"Annual PMI rate (%) — Applies when the down payment is under 20%; use the rate from a loan estimate when available."New value: +"Annual PMI rate (%): Applies when the down payment is under 20%; use the rate from a loan estimate when available."

Previous value: -"Interest rate (%) — Fixed annual note rate before fees."New value: +"Interest rate (%): Fixed annual note rate before fees."

Previous value: -"Closing costs — Upfront lender and transaction costs, excluding the down payment."New value: +"Closing costs: Upfront lender and transaction costs, excluding the down payment."

Previous value: -"Down payment (%) — Percentage of home price paid upfront as equity."New value: +"Down payment (%): Percentage of home price paid upfront as equity."

Previous value: -"Extra principal each month — Additional principal payment used to shorten payoff and reduce interest."New value: +"Extra principal each month: Additional principal payment used to shorten payoff and reduce interest."

Previous value: -"Monthly HOA — Monthly homeowners association fee, if applicable."New value: +"Monthly HOA: Monthly homeowners association fee, if applicable."

Previous value: -"Monthly maintenance reserve — Optional owner-paid maintenance budget; not part of PITI."New value: +"Monthly maintenance reserve: Optional owner-paid maintenance budget; not part of PITI."

Previous value: -"Snapshot date — Date the overall snapshot represents. Add source and valuation date to each item where available."New value: +"Snapshot date: Date the overall snapshot represents. Add source and valuation date to each item where available."

Previous value: -"401(k) contribution — Traditional pre-tax contribution as a percentage of gross pay."New value: +"401(k) contribution: Traditional pre-tax contribution as a percentage of gross pay."

Previous value: -"Estimated state rate — Used for states without a dated calculator profile."New value: +"Estimated state rate: Used for states without a dated calculator profile."

Previous value: -"Portfolio value — Your current invested assets."New value: +"Portfolio value: Your current invested assets."

Previous value: -"Capacity to absorb losses — Financial ability to tolerate losses, separate from willingness to take risk. The more conservative of the two governs the illustration."New value: +"Capacity to absorb losses: Financial ability to tolerate losses, separate from willingness to take risk. The more conservative of the two governs the illustration."

Previous value: -"Annual contribution growth (%) — Increase applied to monthly contributions after each projection year."New value: +"Annual contribution growth (%): Increase applied to monthly contributions after each projection year."

Previous value: -"Annual investment fees (%) — Deducted from the assumed annual return."New value: +"Annual investment fees (%): Deducted from the assumed annual return."

Previous value: -"Expected annual return (%) — Nominal annual return before inflation."New value: +"Expected annual return (%): Nominal annual return before inflation."

Previous value: -"Desired retirement income — Monthly income target in retirement."New value: +"Desired retirement income: Monthly income target in retirement."

Previous value: -"Other monthly retirement income — Expected Social Security, pension, or other income that reduces the amount the portfolio must provide."New value: +"Other monthly retirement income: Expected Social Security, pension, or other income that reduces the amount the portfolio must provide."

Previous value: -"Withdrawal-rate assumption (%) — Planning assumption only; it is not guaranteed to be safe."New value: +"Withdrawal-rate assumption (%): Planning assumption only; it is not guaranteed to be safe."

Previous value: -"Annual fees (%) — Deducted from the assumed annual return."New value: +"Annual fees (%): Deducted from the assumed annual return."

Previous value: -"Annual return (%) — Nominal pre-inflation return."New value: +"Annual return (%): Nominal pre-inflation return."

Previous value: -"Target timeline (months) — Used to calculate required monthly contribution."New value: +"Target timeline (months): Used to calculate required monthly contribution."