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Our savings calculators are hypothetical tools that demonstrate how one-time or monthly contributions from one or more sources, age-based asset rebalancing, and tax savings may impact the long-term value of your account, and do not take into account a portfolio’s underlying investment management fees. This information is provided for illustrative purposes only and does not represent actual or future performance of any investment option and is not intended to predict or project the investment performance of any security or index. The calculations assume investment performance of a representative age-based portfolio with overall compounded annual growth of 7%, capital gains tax rate of 15%, annual interest rate on savings of 0.5%, and annual increase in college costs of 5%. Your account may perform differently due to changes in recurring investments, time horizon, or returns.