Enter your contribution amount, choose how often you save and your expected return — and see how much of the final total is your own money versus what compound interest earns for you.
Just when your money goes in — how often interest is added is set separately, below.
Money put in earlier has more time to grow.
$
Like a bank deposit: interest can be added monthly or once a year.
This is an educational model, not investment advice. Actual returns depend on the instruments you choose and market conditions.
Total after30years
$0
Contributed
$0
Interest
$0
Growth of savings over time
Contributed
Interest
5%
Conservative scenario — close to returns on savings-type instruments
10%
Long-run historical average return of the broad stock market
15%
Optimistic scenario — above average market returns