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.
$
This is an educational model, not investment advice. Actual returns depend on the instruments you choose and market conditions.
Total after 30 years
$0
You contributed
$0
Interest earned
$0
Growth of savings over time
Lavender layer is money you contributed. Purple is interest earned on top.
Contributed
Interest earned
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