Your money after 20 years
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THE POWER OF COMPOUNDING
Your money can grow. Then that growth can grow, too.
That’s the power of compound growth. When you invest, the returns you earn can start generating returns of their own. Over time, even small contributions can make a meaningful difference.
See for yourself how your starting amount, monthly investments, and time can shape your financial future.
The earlier you start, the more time compounding has to work.
See how your money could grow.
Total invested
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Starting amount + monthly contributionsEstimated growth
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Projected balance minus total investedValue in today’s money
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Adjusted for your inflation assumptionHow the balance could grow
Projected balanceContributions
Balance: Contributions: Growth:
Illustrative constant-rate scenario. Hover, tap, or use arrow keys to explore.
For educational purposes only. Results are hypothetical estimates based on your assumptions, not guaranteed returns or personalized investment advice. Actual results may vary and may be affected by market volatility, taxes, and fees.
Calculated in your browser. Inputs are kept only in this browser session.
How the estimate works
The annual growth assumption is converted to an equivalent monthly rate. The starting amount grows each month, then the fixed monthly contribution is added at month-end. Inflation is applied separately to show purchasing power in today’s money. This is a constant-rate scenario illustration, not a market forecast. The basic model excludes volatility, taxes, and fees. Contributions do not increase with inflation.
Why does compounding matter?
Compounding happens when the returns on your money begin earning returns themselves. Over time, that growth can accelerate—especially when you keep contributing regularly.
Three things make a difference: how much you invest, how consistently you contribute, and how long you leave your money invested.