Return assumptions: think long-term averages
Use a steady average return rather than a single great year. If you are unsure, pick a base return and then set a band around it to see how sensitive the result is. The goal is not to predict the market, but to understand what your plan needs to work.
Fees: include the all-in cost
Enter the total annual fee you actually pay (fund fee plus platform or account fee). A small percentage compounds against you every year, so it is worth being realistic instead of optimistic.
Contribution timing: start or end of month
If your saving happens right after payday, the start-of-month setting may be a closer fit. If you typically move money at month end, choose end-of-month. The difference is small per month, but it adds up over many years.
Inflation: what the money is worth later
The inflation toggle shows values in today's SEK so you can compare future goals to current prices. It is a simple way to keep expectations grounded when you are planning for long horizons.
Use the uncertainty band as a stress test
The low and high lines are not predictions. They are a way to stress-test your plan if returns are better or worse than your base assumption. If a goal only works in the high case, it may need a backup plan.
Assumptions: Constant average return, periodic contributions, and fees applied evenly. Taxes and account rules are not included.