Compound Interest
Watch Your Money
Grow Over Time
The most powerful force in finance — visualized.
Your Numbers
Initial Investment
The amount of money you start with before making any contributions.
Please enter a positive amount
Annual Interest Rate
The yearly return rate. S&P 500 has averaged ~10% historically. Be conservative — use 6–8% for planning.
Please enter a rate between 0.01% and 100%
Time Period
Compounding Frequency
How often interest is calculated and added to your balance. More frequent = more growth.
Monthly Contribution
Adjust for Inflation
Shows real purchasing power
Inflation Rate
Total Value
—
Total Invested
—
Interest Earned
—
Growth Over Time
Balance trajectory · year by year
Year-by-Year Breakdown
| Year | Balance | Invested | Interest | Return |
|---|
🎯 Goal Planner
How Much Should
I Save Monthly?
Set your wealth target. We'll tell you the exact monthly savings needed.
Goal Settings
Target Wealth
$
Starting Amount
$
Annual Interest Rate
%
Time to Goal
Compounding
Monthly Savings Needed
—
to reach your goal
Your Goal
—
You'll Invest
—
Interest Earns
—
Your Path to the Goal
⏱ Time Is Money
Start Now vs.
Start Later
Every year you delay costs more than you think. See the real price of waiting.
Scenario Settings
Monthly Investment
$
Annual Return Rate
%
Total Years
Years You Delay
Start Now
If you begin today
—
—
If you wait 5 years
—
—
—
The cost of waiting — money you will never have
Growth Comparison