I think it needs a lot of work.
Taking a REALLY simple example, set current age as 30. Set current Roth balance as $30,000. Do nothing to change default return or withdrawal. Add no contributions. Ages 30 to 59 presented.
Leave pay frequency as monthly.
Balance at 31 is $32,168.70
Balance at 59 is $227,078.84
Set pay frequency to semi-monthly.
Balance at 31 is $32,171.97
Balance at 59 is $227,748.67
- Why is compounding frequency of your investment returns based on your pay period?
- Why does that chart stop at 59 no matter what age you type?
- When does withdrawal start? Does it ever start?
- Why does no income appear unless the balance is in the "Taxable" column instead of a retirement account column? It looks like this is where the 4% goes, but why does it not decrease the balances of the accounts?