diff --git a/frontend/src/components/dashboard/ContributionGrowthChart.tsx b/frontend/src/components/dashboard/ContributionGrowthChart.tsx
index 37422f7..7927a5f 100644
--- a/frontend/src/components/dashboard/ContributionGrowthChart.tsx
+++ b/frontend/src/components/dashboard/ContributionGrowthChart.tsx
@@ -17,16 +17,20 @@ interface ContributionGrowthChartProps {
   isDarkMode: boolean
   projectionData: { age: number; Total: number }[]
   annualContribution: number
+  showRealValues: boolean
+  inflationRate: number
 }
 
 export function ContributionGrowthChart({
   isDarkMode,
   projectionData,
   annualContribution,
+  showRealValues,
+  inflationRate,
 }: ContributionGrowthChartProps) {
   const data = useMemo(
-    () => buildContributionGrowth({ projectionData, annualContribution }),
-    [projectionData, annualContribution]
+    () => buildContributionGrowth({ projectionData, annualContribution, showRealValues, inflationRate }),
+    [projectionData, annualContribution, showRealValues, inflationRate]
   )
 
   if (data.length === 0) return null
diff --git a/frontend/src/components/dashboard/GrowthChart.tsx b/frontend/src/components/dashboard/GrowthChart.tsx
index 6be3af7..46c7e53 100644
--- a/frontend/src/components/dashboard/GrowthChart.tsx
+++ b/frontend/src/components/dashboard/GrowthChart.tsx
@@ -1,3 +1,4 @@
+import { useState } from 'react'
 import { LineChart, Line, XAxis, YAxis, CartesianGrid, Tooltip, ResponsiveContainer } from 'recharts'
 import type { ProjectionDataPoint } from '@/types/household'
 import { formatCompactMoney, formatMoney } from '@/lib/formatting'
@@ -6,18 +7,73 @@ import { TrendingUp } from 'lucide-react'
 interface GrowthChartProps {
   isDarkMode: boolean
   currentProjectionData: ProjectionDataPoint[]
+  conservativeProjectionData: ProjectionDataPoint[]
+  optimisticProjectionData: ProjectionDataPoint[]
   yearsToRetirement: number
+  expectedReturn: number
 }
 
-export function GrowthChart({ isDarkMode, currentProjectionData, yearsToRetirement }: GrowthChartProps) {
+export function GrowthChart({
+  isDarkMode,
+  currentProjectionData,
+  conservativeProjectionData,
+  optimisticProjectionData,
+  yearsToRetirement,
+  expectedReturn,
+}: GrowthChartProps) {
+  const [activeScenario, setActiveScenario] = useState<'conservative' | 'realistic' | 'optimistic'>('realistic')
+
   if (yearsToRetirement <= 0 || currentProjectionData.length === 0) return null
 
+  const chartData = activeScenario === 'conservative'
+    ? conservativeProjectionData
+    : activeScenario === 'optimistic'
+      ? optimisticProjectionData
+      : currentProjectionData
+
   return (
     <div className="animate-fade-in-up-delay-3 card p-6">
-      <h2 className="text-xl font-semibold text-gray-800 dark:text-white mb-4 flex items-center gap-2">
-        <TrendingUp className="w-5 h-5 text-primary" />
-        Growth Projection
-      </h2>
+      <div className="flex flex-col sm:flex-row sm:items-center justify-between gap-4 mb-6">
+        <h2 className="text-xl font-semibold text-gray-800 dark:text-white flex items-center gap-2">
+          <TrendingUp className="w-5 h-5 text-primary" />
+          Growth Projection
+        </h2>
+
+        {/* Scenario Toggle */}
+        <div className="flex bg-gray-100 dark:bg-gray-800 p-1 rounded-xl self-start sm:self-center">
+          <button
+            onClick={() => setActiveScenario('conservative')}
+            className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+              activeScenario === 'conservative'
+                ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-200'
+            }`}
+          >
+            Conservative ({Math.max(0, expectedReturn - 2)}%)
+          </button>
+          <button
+            onClick={() => setActiveScenario('realistic')}
+            className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+              activeScenario === 'realistic'
+                ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-200'
+            }`}
+          >
+            Realistic ({expectedReturn}%)
+          </button>
+          <button
+            onClick={() => setActiveScenario('optimistic')}
+            className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+              activeScenario === 'optimistic'
+                ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-200'
+            }`}
+          >
+            Optimistic ({expectedReturn + 2}%)
+          </button>
+        </div>
+      </div>
+
       <div className="mb-4 flex gap-4 text-sm">
         <div className="flex items-center gap-2">
           <span className="w-3 h-3 rounded-full bg-indigo-500"></span>
@@ -34,7 +90,7 @@ export function GrowthChart({ isDarkMode, currentProjectionData, yearsToRetireme
       </div>
       <div className="h-96">
         <ResponsiveContainer width="100%" height="100%">
-          <LineChart data={currentProjectionData} margin={{ top: 30, right: 50, left: 0, bottom: 25 }}>
+          <LineChart data={chartData} margin={{ top: 30, right: 50, left: 0, bottom: 25 }}>
             <CartesianGrid strokeDasharray="3 3" stroke={isDarkMode ? '#374151' : '#e5e7eb'} strokeOpacity={0.25} />
             <XAxis
               dataKey="age"
diff --git a/frontend/src/components/dashboard/ProjectionsTab.tsx b/frontend/src/components/dashboard/ProjectionsTab.tsx
index 736cb48..b0bd01a 100644
--- a/frontend/src/components/dashboard/ProjectionsTab.tsx
+++ b/frontend/src/components/dashboard/ProjectionsTab.tsx
@@ -1,4 +1,4 @@
-import { lazy, Suspense } from 'react'
+import { lazy, Suspense, useState } from 'react'
 import { useProjectionContext } from '@/contexts/ProjectionContext'
 import { useAssumptions } from '@/contexts/AssumptionsContext'
 import { useDarkMode } from '@/hooks/useDarkMode'
@@ -22,6 +22,7 @@ export function ProjectionsTab() {
   const [isDarkMode] = useDarkMode()
   const projection = useProjectionContext()
   const assumptions = useAssumptions()
+  const [accumulationView, setAccumulationView] = useState<'growth' | 'contributions' | 'volatility'>('growth')
 
   const projectionData = projection.currentProjectionData
   const startAge = projectionData.length > 0 ? projectionData[0].age : 0
@@ -30,36 +31,91 @@ export function ProjectionsTab() {
 
   return (
     <div className="space-y-6">
-      <Suspense fallback={<ChartFallback />}>
-          <GrowthChart
-            isDarkMode={isDarkMode}
-            currentProjectionData={projection.currentProjectionData}
-            yearsToRetirement={projection.yearsToRetirement}
-          />
-      </Suspense>
+      {/* 1. Accumulation Phase (Saving) Section */}
+      <div className="space-y-4">
+        <div className="flex flex-col md:flex-row md:items-center justify-between gap-4 border-b border-gray-200/50 dark:border-gray-700/50 pb-3">
+          <div>
+            <h2 className="text-xl font-bold text-gray-800 dark:text-white">1. Saving Phase (Accumulation)</h2>
+            <p className="text-xs text-gray-500 dark:text-gray-400 mt-0.5">Projecting your growth path up to retirement age</p>
+          </div>
+          
+          <div className="flex bg-gray-100 dark:bg-gray-800 p-1 rounded-xl self-start md:self-center">
+            <button
+              onClick={() => setAccumulationView('growth')}
+              className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+                accumulationView === 'growth'
+                  ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                  : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-250'
+              }`}
+            >
+              Standard Growth
+            </button>
+            <button
+              onClick={() => setAccumulationView('contributions')}
+              className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+                accumulationView === 'contributions'
+                  ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                  : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-250'
+              }`}
+            >
+              Contribution vs. Growth
+            </button>
+            <button
+              onClick={() => setAccumulationView('volatility')}
+              className={`px-3 py-1.5 text-xs font-medium rounded-lg transition-all ${
+                accumulationView === 'volatility'
+                  ? 'bg-white dark:bg-gray-700 text-gray-800 dark:text-white shadow-sm'
+                  : 'text-gray-500 hover:text-gray-700 dark:text-gray-400 dark:hover:text-gray-250'
+              }`}
+            >
+              Market Volatility (Monte Carlo)
+            </button>
+          </div>
+        </div>
 
-      <Suspense fallback={<ChartFallback />}>
-          <MonteCarloChart
-            isDarkMode={isDarkMode}
-            initialBalance={projectionData.length > 0 ? projectionData[0].Total : 0}
-            annualContribution={projection.totalAnnualContributions}
-            yearsToRetirement={projection.yearsToRetirement}
-            expectedReturn={assumptions.expectedReturn}
-            inflationRate={assumptions.inflationRate}
-            startAge={startAge}
-            showRealValues={assumptions.showRealValues}
-          />
-      </Suspense>
+        <Suspense fallback={<ChartFallback />}>
+          {accumulationView === 'growth' && (
+            <GrowthChart
+              isDarkMode={isDarkMode}
+              currentProjectionData={projection.currentProjectionData}
+              conservativeProjectionData={projection.conservativeProjectionData}
+              optimisticProjectionData={projection.optimisticProjectionData}
+              yearsToRetirement={projection.yearsToRetirement}
+              expectedReturn={assumptions.expectedReturn}
+            />
+          )}
+          {accumulationView === 'contributions' && (
+            <ContributionGrowthChart
+              isDarkMode={isDarkMode}
+              projectionData={projectionData}
+              annualContribution={projection.totalAnnualContributions}
+              showRealValues={assumptions.showRealValues}
+              inflationRate={assumptions.inflationRate}
+            />
+          )}
+          {accumulationView === 'volatility' && (
+            <MonteCarloChart
+              isDarkMode={isDarkMode}
+              initialBalance={projectionData.length > 0 ? projectionData[0].Total : 0}
+              annualContribution={projection.totalAnnualContributions}
+              yearsToRetirement={projection.yearsToRetirement}
+              expectedReturn={assumptions.expectedReturn}
+              inflationRate={assumptions.inflationRate}
+              startAge={startAge}
+              showRealValues={assumptions.showRealValues}
+            />
+          )}
+        </Suspense>
+      </div>
 
-      <Suspense fallback={<ChartFallback />}>
-        <ContributionGrowthChart
-          isDarkMode={isDarkMode}
-          projectionData={projectionData}
-          annualContribution={projection.totalAnnualContributions}
-        />
-      </Suspense>
+      {/* 2. Decumulation Phase (Spending) Section */}
+      <div className="space-y-4 pt-4 border-t border-gray-200/50 dark:border-gray-700/50">
+        <div>
+          <h2 className="text-xl font-bold text-gray-800 dark:text-white">2. Spending Phase (Decumulation)</h2>
+          <p className="text-xs text-gray-500 dark:text-gray-400 mt-0.5">Projecting how long your savings will last in retirement</p>
+        </div>
 
-      <Suspense fallback={<ChartFallback />}>
+        <Suspense fallback={<ChartFallback />}>
           <DrawdownChart
             isDarkMode={isDarkMode}
             startBalance={startBalance}
@@ -71,8 +127,10 @@ export function ProjectionsTab() {
             plannedGifts={assumptions.plannedGifts}
             minCurrentAge={projection.minCurrentAge}
           />
-      </Suspense>
+        </Suspense>
+      </div>
 
+      {/* Educational Footer Info */}
       <div className="card p-4 sm:p-6">
         <h3 className="text-lg font-semibold text-gray-800 dark:text-white mb-3 flex items-center gap-2">
           <BarChart3 className="w-5 h-5 text-indigo-500" />
diff --git a/frontend/src/contexts/ProjectionContext.tsx b/frontend/src/contexts/ProjectionContext.tsx
index c2c8d39..2639eb4 100644
--- a/frontend/src/contexts/ProjectionContext.tsx
+++ b/frontend/src/contexts/ProjectionContext.tsx
@@ -9,6 +9,8 @@ interface ProjectionContextValueTyped {
   wasmLoaded: boolean
   wasmError: string | null
   projectionData: ProjectionDataPoint[]
+  conservativeProjectionData: ProjectionDataPoint[]
+  optimisticProjectionData: ProjectionDataPoint[]
   realProjectionData: ProjectionDataPoint[]
   currentProjectionData: ProjectionDataPoint[]
   householdRetirementAge: number
@@ -109,6 +111,14 @@ export function ProjectionProvider({ children }: { children: ReactNode }) {
     () => buildCombinedProjection(people, calculateProjection, expectedReturn, inflationRate, showRealValues, householdRetirementAge),
     [people, calculateProjection, expectedReturn, inflationRate, showRealValues, householdRetirementAge]
   )
+  const conservativeProjectionData = useMemo(
+    () => buildCombinedProjection(people, calculateProjection, Math.max(0, expectedReturn - 2), inflationRate, showRealValues, householdRetirementAge),
+    [people, calculateProjection, expectedReturn, inflationRate, showRealValues, householdRetirementAge]
+  )
+  const optimisticProjectionData = useMemo(
+    () => buildCombinedProjection(people, calculateProjection, expectedReturn + 2, inflationRate, showRealValues, householdRetirementAge),
+    [people, calculateProjection, expectedReturn, inflationRate, showRealValues, householdRetirementAge]
+  )
   const realProjectionData = useMemo(
     () => buildCombinedProjection(people, calculateProjection, expectedReturn, inflationRate, true, householdRetirementAge),
     [people, calculateProjection, expectedReturn, inflationRate, householdRetirementAge]
@@ -117,7 +127,8 @@ export function ProjectionProvider({ children }: { children: ReactNode }) {
   return (
     <ProjectionContext.Provider value={{
       wasmLoaded, wasmError,
-      projectionData, realProjectionData, currentProjectionData: projectionData,
+      projectionData, conservativeProjectionData, optimisticProjectionData,
+      realProjectionData, currentProjectionData: projectionData,
       householdRetirementAge, yearsToRetirement, minCurrentAge,
       totalAnnualIncome, totalAnnualPension, totalAnnualCpp, totalAnnualOas,
       totalPortfolio, totalAnnualContributions,
diff --git a/frontend/src/lib/projectionSim.ts b/frontend/src/lib/projectionSim.ts
index a3aa4e5..4960f32 100644
--- a/frontend/src/lib/projectionSim.ts
+++ b/frontend/src/lib/projectionSim.ts
@@ -105,6 +105,8 @@ export interface ContributionGrowthPoint {
 export interface ContributionGrowthParams {
   projectionData: { age: number; Total: number }[]
   annualContribution: number
+  showRealValues?: boolean
+  inflationRate?: number
 }
 
 // Splits the accumulation path into cumulative contributions vs cumulative
@@ -112,7 +114,7 @@ export interface ContributionGrowthParams {
 export function buildContributionGrowth(
   params: ContributionGrowthParams
 ): ContributionGrowthPoint[] {
-  const { projectionData, annualContribution } = params
+  const { projectionData, annualContribution, showRealValues = true, inflationRate = 2.5 } = params
   if (projectionData.length === 0) return []
 
   const result: ContributionGrowthPoint[] = []
@@ -122,12 +124,14 @@ export function buildContributionGrowth(
   result.push({ age: projectionData[0].age, contributions: initial, growth: 0, total: initial })
 
   for (let i = 1; i < projectionData.length; i++) {
-    cumContrib += annualContribution
+    const deflateFactor = showRealValues ? Math.pow(1 + inflationRate / 100, i) : 1
+    cumContrib += annualContribution / deflateFactor
     const total = projectionData[i].Total
+    const growth = Math.max(0, total - cumContrib)
     result.push({
       age: projectionData[i].age,
-      contributions: cumContrib,
-      growth: total - cumContrib,
+      contributions: total - growth,
+      growth,
       total,
     })
   }