Originally Posted by Deez340

Your first sentence after you listed the formula is 100% correct. The difference in the amount of today's dollars that our theoretical investor would have at 65 manifested itself because the calculator i was using was making inflation adjustments to the periodic contributions as well. in other words. the 500 per month became more per month over time such that each monthly deposit was the present value of today's 500. my head hertz'... I'm done. i should have made that more clear.