Your initial investment, monthly contributions, rate and compounding in; total contributed, interest earned and growth year by year out. No signup.
Money you have available to invest initially.
Added every month — or negative for a monthly withdrawal.
See results for rates above and below your estimate.
Times per year that interest is compounded.
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Interest earned on your interest. Each period, returns are added to the balance, and the next period earns returns on the bigger balance. Over decades this snowballs — which is why the chart below bends upward instead of climbing in a straight line.
A savings account might earn 3–5%; the long-run average for a diversified stock portfolio has historically been around 7–10% before inflation. That is exactly why the variance range exists — look at the low number, not just the high one.
Less than people think: $10,000 at 7% for 20 years is about $38,700 compounded annually versus $40,500 compounded daily. The rate and the time matter far more than the frequency.
Yes — enter a negative monthly contribution to model taking money out each month.