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Compound interest is the only financial force that works while you sleep — and the only one most people underestimate by half. This calculator projects what your starting balance and monthly contributions become, and splits the result into what you put in versus what the market grew — the split that converts sceptics into savers. The honest lesson it teaches: time beats amount, which is why starting with $50 a month at 25 beats $500 a month at 45.
compound math report
You earn interest on your interest — each year's growth joins the principal and grows itself. Over decades this turns modest savings into large balances.
A diversified portfolio has historically returned roughly 7-10% before inflation; be conservative in planning and pleasantly surprised in practice.
Because the last decade of compounding does most of the work — money invested at 25 has 10 extra years of exponential growth versus starting at 35.
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