Calculators
These calculators are hypothetical illustrations of arithmetic, not forecasts. They show how contributions, time, assumed returns and costs interact. Real returns vary every year and can be negative.
Compound growth calculator
Adjust the starting amount, contribution, time and assumptions to see how much of an outcome comes from money you added versus hypothetical growth.
Your assumptions
A commonly used illustration rate. These are inputs to a hypothetical calculation, not expected or guaranteed returns.
Projected portfolio
$691,150
After 30 years, monthly contributions.
Money you contributed
$190,000
Estimated investment growth
$501,150
From contributions
27.5%
From growth
72.5%
Investment multiple
3.64×
The compounding crossover
Year 17
The point where hypothetical growth becomes larger than the money you personally added.
Compound growth
Portfolio value against the money you contributed. The vertical marker is the compounding crossover.
Hypothetical illustration based on the assumptions entered above. It is not a projection of actual results, and it does not include taxes or trading costs. Past performance does not guarantee future results.
Contributions and growth, separated
Wealth comes from both saving and returns. The lower band is your own money.
What can waiting cost?
The same plan, the same assumptions, measured at year 30. Only the start date changes.
Start today
$691,150
Reference
Start in 1 year
$638,777
$-52,374 vs starting today
Start in 5 years
$462,290
$-228,860 vs starting today
Start in 10 years
$300,851
$-390,300 vs starting today
Time itself is a major component of compounding. These are hypothetical mathematical projections, not predictions, and they assume contributions only begin at the chosen start date.
Fee impact calculator
A fixed plan — $10,000 to start, $500 per month, a 7% assumed annual return — compared with and without an annual fee.
- Without the fee
- $691,150
- With the fee
- $562,483
- Hypothetical cost of the fee
- $128,667 (1861.6% of the total)
Hypothetical illustration only. Constant returns do not occur in real markets, and these figures do not represent the performance of any investment or account.