Enter what you invest, how much you add each month, and the return you expect — and watch compounding do the heavy lifting. No spreadsheets required.
Project my returns →Join the newsletterThe power of compounding — on your exact numbers.
Your returns earn returns of their own. The longer you stay invested, the steeper the curve gets.
Starting early matters more than picking the perfect moment. Consistency compounds.
A modest monthly contribution, left alone for decades, can outgrow a large one-time deposit.
The long-run average for a diversified stock market portfolio is roughly 7–10% before inflation. 8% is a reasonable middle-ground default. Use a lower number for a conservative estimate, and remember returns are never guaranteed year to year.
It compounds monthly: each month your balance grows by the annual rate ÷ 12, then your monthly contribution is added. That's the standard future-value-of-a-series formula the pros use.
No — it shows nominal growth before inflation and taxes. For a "real" spending-power number, subtract roughly 2–3% from your return rate. Tax treatment depends on the account (401k, IRA, brokerage).
No. It's an educational estimate to help you frame a decision. Your real results depend on markets, fees, taxes, and your behavior. Use it as a smart starting point, then adjust for your life.
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