Plan Participant Tool
The power of small increases modeler
Small, incremental shifts in your savings rate today yield significant wealth disparities by retirement age through compound interest. Model your increase and see the hidden value revealed.
Back to Plan Sponsor & Participant ToolsCurrent financial baseline
Small increase drivers
Your compound interest bonus
By adding just +1.0% to your savings, you accumulate an extra $122,936 by age 65!
That's the hidden power of compound interest. A small increase today compounds into a meaningful lifetime wealth gain over your 35-year horizon.
Baseline nest egg
$491,744
At your current 4.0% rate
Enhanced nest egg
$614,680
At 5.0% effective rate
Compound interest bonus
$122,936
Extra wealth at retirement
Accumulation comparison
The shaded region between the two paths represents the hidden value of your small increase.
- Your enhanced savings path
- Your current savings path
How to compare scenarios
- 1.Set your inputs to the first configuration you want to evaluate.
- 2.Click Save to log that scenario to the history table below.
- 3.Adjust one input at a time (for example, bump your contribution rate or headcount), then save again.
- 4.Repeat for each variation. Every saved row appears side-by-side so you can compare results at a glance.
Modeled scenario history
A running log of the small-increase scenarios you've modeled. Compare the lifetime wealth gain across different contribution and escalation strategies.
| Participant | Age | Ret. age | Escalation | Baseline | Enhanced | Wealth gain | |
|---|---|---|---|---|---|---|---|
| Untitled | 37 | 67 | One-time increase today | $464,020 | $638,027 | $174,007 | |
| Untitled | 37 | 67 | One-time increase today | $534,783 | $735,327 | $200,544 |
This modeler is provided strictly for educational purposes and is not investment advice or a recommendation from an advisor. Results are estimates based on the inputs you provide and assume constant returns, salary growth and contribution rates. Actual outcomes depend on market performance, taxes, fees, life events and benefit rules. Speak with a Cognis advisor for guidance tailored to your situation.