So I was just playing around with numbers today. DH and I have $136,290 in investments currently.

Assuming that we max out DH's 401K and both of our ROTH IRAs each year until the end of 2026 and earn an average of 10% per year my math says we'd have 1,018,880 by the end of 2026. Just checking to make sure I didn't neglect something that would make a change to this?

Also this beginning figure includes the remaining 401K contributions for this year just FYI.

Thanks!

That's exactly (subject to rounding) what I get, so unless we are both wrong....

Assumptions

- The $136,290 includes 2015's 401k and IRA contributions, and those were made at the beginning of 2015 so there are 12 years growth until the end of 2026.

- By max you mean $18K + $5.5K + $5.5K = $29,000/year

- The $29K is invested at the beginning of the year, starting in 2016

- Returns compound annually

- the Excel FV function works

Value of the $136,290 at the end of 2026 = $136,290 * (1 + 10%)^12 = $427,736.40

Value of the series of $29K investments = FV(10%,11,-47000,0,1) = $591,144.23

Total = $1,018,880.63

Of course, if the assumptions are wrong then the results will differ.