Brokerage Lump-Sum Modeler

Size a one-time brokerage deposit per child so each hits a real target at age 21. Year 0 is the first child's birth. All calculations run in your browser.

Your assumptions

Number of children Each gets a separate brokerage deposit

Years between children Equal birth spacing after the first child

Funding year Year 0 = first birth; negative = fund early

Target at age 21 ($ real) Real value in year-0 dollars when each child turns 21

Average CPI (%) Default ~US CPI 1975–2025 (BLS)

Average market growth (%) Default ~S&P 500 total return 1975–2025

Brokerage Lump-Sum Modeler

Your assumptions

Results