Your details
1 yr25 years40 yrs
Final value
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after 25 years
Growth
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compound interest
Tax refund
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estimated
Growth over time
Growth (interest)
Contributions
Things worth knowing
Time in the market beats timing the market
Nobody consistently predicts market highs and lows. Investing regularly regardless of conditions — dollar-cost averaging — has historically outperformed trying to pick the perfect moment.
Compound interest is the 8th wonder of the world
$10,000 invested at 7%/year becomes $76,000 after 30 years without adding a single dollar. Starting early — even with small amounts — makes a massive difference over time.
Fees eat your returns more than you think
The difference between 0.2% and 2% in annual fees can add up to tens of thousands of dollars over 30 years. The less you pay in fees, the more of your returns you keep.
Market downturns are normal — not emergencies
Markets experience a significant drop roughly 1 in 4 years on average. Corrections are part of the game. Panic-selling during a dip turns a temporary loss into a permanent one.
Diversification smooths the ride
Putting everything into one stock, sector, or country amplifies risk. A diversified portfolio spreads that risk out and tends to deliver more consistent long-term results.
Think bigger
What does your spending really cost you?
Every dollar spent today is future retirement money — see the true opportunity cost of your decisions
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