The information provided by this calculator is a hypothetical illustration of mathematical principles only. The information entered may vary from your actual loan, mortgage, investment, or savings results. Interest rates are hypothetical and are not meant to represent any specific investments or investment strategy. If an investment is used to pursue goals, investors should keep in mind that investment return, rate and principal values fluctuate over time so that the investment may be worth more or less than its original cost. Risk is an inherant part of investing. Generally, investors must take higher risks to increase the potential for higher returns. The calculated results are presented by TimeValue Software and are not guaranteed to be accurate and are in no way endorsed, offered or guaranteed by First Command Financial Services, Inc. or any of its affiliated companies.