Calculator
Savings Growth Calculator
See how a starting balance plus regular contributions grows with compound interest over time.
A common ballpark for a diversified stock index fund is 7% (long-run, before inflation) — but returns vary and aren't guaranteed.
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Why starting earlier matters so much
Compound growth means your earlier contributions have more time to earn returns on their own returns. Two people contributing the same amount per month will end up with very different totals if one started ten years earlier — try changing the years field here to see how much of the final balance comes from growth versus your own contributions.
This is a projection based on a constant assumed return, not a guarantee. Real investment returns vary year to year and can be negative. This is general information, not personalized investment advice.