Not financial, legal, or tax advice. This simulator is an educational planning tool only. All projections shown are illustrative estimates based on historical averages. Nothing in this tool constitutes investment advice, financial planning advice, legal advice, or tax advice. You should not make any financial decision based solely on the outputs of this simulator.

No guarantee of returns. All projected values assume fixed annual return rates based on long-run historical averages. Actual investment returns will vary significantly from year to year. Past performance of any asset class or investment vehicle does not guarantee future results. You could lose some or all of the money you invest.

How calculations work. Portfolio values are calculated using monthly compound interest: each month, your balance grows by the annual rate divided by 12, then your monthly contribution is added. Contributions stop at the selected age and the balance continues compounding to child age 30. The "Worth in Today's Money" figure divides the future balance by cumulative inflation. Growth after inflation = (1 + annual return rate) divided by (1 + inflation rate), minus 1.

Return rate assumptions. Investment vehicle return rates are long-run historical nominal averages sourced from academic research, IMF, World Bank, and publicly available index performance data. These are static estimates and are not updated in real time.

Inflation rates. Country inflation rates are verified 10-year historical averages (2014-2024) sourced from IMF and World Bank data via FocusEconomics and Macrobond. For high-inflation countries (Nigeria 16.2%, Ghana 17.6%, Egypt 15.8%, Turkey 25.8%, Argentina 65%), the 2024 single-year rates were significantly higher. The 10-year average is used because this tool models long-horizon projections and a single recent year is a poor basis for multi-decade forecasting.

Withdrawal and access rules. The access and withdrawal information shown is a general summary only. Always verify current rules directly with your financial institution or a licensed advisor before accessing funds.

Tax implications not modelled. This simulator does not account for taxes on investment gains, dividends, interest, or withdrawals. Consult a tax professional in your country.

Consult a licensed professional. NAPFA.org (US) · FCA.org.uk (UK) · SEBI.gov.in (India) · SEC.gov.ng (Nigeria) · ASIC.gov.au (Australia) · FSB.co.za (South Africa) · CMA.or.ke (Kenya).