How can I properly interpret the pension calculation?

The chart shows four lines that together represent the range of possible outcomes:

• Grey (contributions): your own contributions based on the values entered, without return.
• Red (pessimistic): the bottom 5% of scenarios, where returns lag significantly.
• Green (realistic): the middle 90% of scenarios: the band your outcome is most likely to fall in.
• Black (optimistic): the top 5% of scenarios, where returns stay high.

These are scenarios, not predictions. Focus on the green band. Want to run your own numbers? Use the pension calculator.