Reach $1,000,000 in thirty years and, at 3% inflation, it buys what $411,987 buys today. That's why the app can show your numbers in nominal value or in today's money, and why a target set today should grow with prices.
The Real | Nominal switch is in the app
The 4% rule, tested on 59 start years.
Ten years of waiting costs $651,000.
In year 11, your money starts out-earning you.