Reservoir Savings calculator
Same paycheck. A very different result.
How much you save is the biggest lever you control. Where that money is invested matters too, but it comes second. Here's why a simple change in how your paycheck flows can make such a difference.
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Your pay tends to rise
Since 1997, the typical U.S. worker's pay has grown about 3.8% a year, according to the Federal Reserve Bank of Atlanta's Wage Growth Tracker.
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Raises usually disappear
Without a plan, spending tends to climb just as fast as income, or faster. The raise can turn into lifestyle instead of savings.
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A Reservoir flips the default
Your pay lands in one account and your spending is set ahead of time. When you get a raise, the extra stays in the Reservoir and flows to savings, so you save more without feeling it.
In this calculator, your income grows 3.8% a year. On your current path, spending grows at the same 3.8%. With a Reservoir, spending grows 2.8%. Because your income outpaces your spending, the gap between them, your savings, widens every year.
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Just the dollars you set aside. No investment growth.
Total saved over 30 years
See it year by year
| Year | Income | Saved: current | Saved: Reservoir | Total: current | Total: Reservoir | At 7%: current | At 7%: Reservoir |
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Assumptions
Want to build your Reservoir?
Book a complimentary cash-flow review. We'll find your real spending baseline and set up the automation together.
Hypothetical illustration for educational purposes only. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. It assumes your income and spending start where you entered them, that everything you don't save is spent (including taxes), and that spending grows at the rates shown. The 7% figure is a hypothetical net annual rate of return used only to illustrate compounding. It is not a prediction or guarantee of any investment’s performance, and actual returns vary from year to year and can be negative. Results do not reflect inflation, taxes on savings or changes in your circumstances. Actual results will vary. Investing involves risk which includes potential loss of principal. Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. Oakwater Advisors is not an affiliate of OneAmerica Securities or the companies of OneAmerica Financial and is not a broker dealer or Registered Investment Advisor. Check Alex’s background on FINRA’s BrokerCheck.