Thanks for the calculator. Although some have criticized it as not being suitable for certain purposes, it does provide a simple method of visualizing the impact of indexing.
As DHK mentioned .. it needs some more features and to be a true calculator for consumers but it can be valuable for advisors/agents with a few minor tweaks.. as long as the agents realize what it's missing..
I would love to have an IRR field for both rather than just a graph... also any reason taht this only goes back to '95?
you definitely need to add the returns with dividend on the direct investing side..