Model the pause first
In the calculator's advanced section, add a contribution pause by month count. Compare the paused scenario to your base plan and note the gap at the end of your horizon.
Plan the restart
If the gap feels too large, try a small yearly increase to your monthly saving. Even a modest step-up can shrink the difference because it compounds for the remaining years.
Use a one-time catch-up deposit if needed
If you expect a bonus or a tax refund later, model it as a one-time deposit. This is often a practical way to recover from a short pause without raising the monthly amount too aggressively.
Keep the timeline realistic
Pauses are normal in family life. The most important thing is returning to a sustainable plan rather than chasing a perfect projection. The calculator is a planning aid, not a promise.
Assumptions: Constant average return, periodic contributions, and fees applied evenly. Taxes and account rules are not included.