Plan A vs Plan B — Put the Same Dollars In. See the Difference Out.
Plan A: Taxable, volatile, inflation-exposed (mutual funds, 401(k)s, crypto). Plan B: Tax-free growth, volatility-free, inflation-shielded. Use the *same* contribution on both and compare outcomes over 20–60 years, including a “contribute then coast” option.
Your Contributions (Shared)
These drive both Plan A and Plan B when Link inputs is ON. Turn it OFF to tweak scenarios independently.
Optional lump sum right now.
Same dollars feed both plans (by default).
Full horizon (including coast years).
After this, contributions stop and the balance compounds (coast).
ON means both plans use these contribution values.
PLAN A — TAXABLE • VOLATILE • INFLATION-EXPOSED
Market-Based (Mutual Funds • 401(k) • Crypto)
Choose deterministic (volatility drag) or stochastic simulation (year-to-year randomness). Taxes apply to gains each year.
Example 6–10% typical long-term equity assumptions.
Higher σ = choppier ride + bigger sequence risk.
Approximate blended tax drag on taxable growth.
Reroll randomness with “Simulate Again”.
| Year | Start | Contrib | Tax on Gains | Return % | Interest/Gain | End |
|---|
See how volatility + taxes slow compounding.
PLAN B — TAX-FREE • VOLATILITY-FREE • INFLATION-SHIELDED
Predictable, Peace-Focused Growth
No taxes on growth by design, steady crediting rate, and optional inflation shield to maintain purchasing power.
Steady, volatility-free growth assumption.
Optional: Present values in “real” terms.
| Year | Start | Contrib | Real Adj. | Interest | End |
|---|
Tax-free + volatility-free lets compounding run.
Rule of 72 & Combined Checkpoints
Fast vision of doubling speeds and milestone balances across the horizon.
| Plan | Rate | Doubling Time (yrs) | Doubles in Horizon |
|---|