The Math.

These calculators use simplified assumptions for illustration. They don't account for fees, taxes, inflation, or the full shape of market volatility — only the bones of the math.

Past performance is not a forecast. The Lookback tells you what was; the other four ask you to assume a future return rate. Reasonable assumptions still produce wide ranges — change a 7% input to 5% and watch what happens.

None of this is financial advice. It's arithmetic, run slowly, on one ETF. Your situation, taxes, and risk tolerance are your own to weigh.