Tool

Compound Growth Sandbox

Adjust the sliders and watch compound interest do its thing. The gap between what you put in and what you end up with. That's the whole game.

20-Year Breakdown

Total Future Value

$300,851

Net Cash Contributed

$130,000

Compound Interest Earned

$170,851

The math: You put in $130,000 and the compounding did the rest. Interest made up 56.8% of your ending balance.

Starting Principal$10,000

0100000

Contribution Frequency

Monthly Contribution$500

05000

Expected Annual Rate7%

120

Time Horizon (Years)20 yrs

150

Growth Curve

Nobody's Note

This assumes a constant annual return. The market doesn't work that way. It swings hard some years and crashes others. A 7% average is close to the long-term historical S&P 500 return after inflation. Use this to understand the mechanics, not to predict the future.