See how your money grows over time with compound interest and monthly contributions.
Tap a field or drag a slider to see results.
| Year | Invested | Returns | Balance |
|---|
Starting early — even with smaller amounts — usually beats starting late with larger sums.
Returns earn returns. The longer your money compounds, the steeper the curve.
Monthly contributions smooth out market timing and build the habit of investing.
S&P 500 has averaged ~10% historically; 6–8% is a reasonable real-return estimate.
Explore mortgage, retirement, and tax calculators — all free.
Explore All Tools