See the power of compounding. Enter your starting amount, regular contributions, and interest rate to see exactly how your money grows over time.
| Year | Balance | Contributed (cumulative) | Interest (cumulative) |
|---|
Compound interest means you earn interest on your interest — not just on your original deposit. Over time, this creates exponential growth, which is why starting early matters so much. The difference between starting at 25 vs 35 can result in hundreds of thousands of dollars by retirement.
The S&P 500 has historically returned around 10% annually before inflation. With consistent monthly investing, compound growth turns modest monthly contributions into significant wealth over decades.