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<<Pixy, I think I did something wrong the first time I used the calculator, because it predicted that I would leave an estate of $21 million!

After I straightened out some overlapping entries and got a more realistic result, it was especially interesting to see what it projected as the balance at retirement for each source.

In my case, TIAA-CREF accounted for 75% of the balance even though nothing will be added to it. Furthermore, an existing traditional IRA accounted for more than all non-deferred investments, even though the non-deferred investments are currently three times the size of the IRA. And the Roth IRA, new this year, was a very small part even though funds will be added to it in the future.>>

Sounds like it has something to do with the rates of return you used for each investment. Also, you might want to note the footnote regarding IRAs. Everything except IRAs uses a monthly contribution, but IRAs use an annual. All I can say without seeing what you did is to ensure you triple check your inputs to ensure they are correct. If you keep getting funny results, you might want to shoot a note to the SmartCalc folks by using the "comments" link at the bottom of the screen. Alternatively, you can send me your assumptions and beginning data and I'll run it to see what the problem may be.

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