Why split contributions from growth?

Because a single final number tells you nothing about whether to believe it.

Is a fixed annual return realistic?

No, and no calculator that shows one is realistic.

See how much of the final number is your money and how much is growth.

Starting amountAdded each monthReturn% a yearForyears

Final balance108,224.07

You put in49,000.00

Growth59,224.07

An estimate at a fixed rate. Real returns are not a straight line, and this ignores inflation, fees and tax, all of which are real.

Contributions against growth

Growth What you put in

Why split contributions from growth?: Because a single final number tells you nothing about whether to believe it.
Is a fixed annual return realistic?: No, and no calculator that shows one is realistic.
Does it account for inflation, fees or tax?: No, and all three are real.