Free · No sign-up required
Ready-made scenarios
Click any scenario to instantly load it into the calculator. Adjust the numbers to match your life.
🏖️
Retire at 40
Early retirementStart at 25 with a modest initial investment and consistent contributions for 15 years.
After 15 years
Final balance
$311,745
Total contributions$154,000
Total interest earned+$157,745
Growth multiplier2.02×
Real value (3% inflation)$232,787
❄️ 51% of your final balance is pure interest — your money earned 1.02× itself.
Can 15 years of discipline buy you 40+ years of freedom?
Try this →☕
The Latte Factor
HabitsSkip $5/day in coffee and invest that $150/month instead. Small habit, massive result.
After 30 years
Final balance
$225,044
Total contributions$54,000
Total interest earned+$171,044
Growth multiplier4.17×
Real value (3% inflation)$122,022
❄️ 76% of your final balance is pure interest — your money earned 3.17× itself.
One small habit cut compounds into a life-changer.
Try this →💰
$1 Million Goal
MilestoneThe classic millionaire benchmark. How realistic is it for an average earner?
After 30 years
Final balance
$1,609,652
Total contributions$370,000
Total interest earned+$1,239,652
Growth multiplier4.35×
Real value (3% inflation)$856,255
❄️ 77% of your final balance is pure interest — your money earned 3.35× itself.
Spoiler: more achievable than you think.
Try this →🎓
College Fund
Family18 years to build a full college fund for your child from a modest start.
After 18 years
Final balance
$170,400
Total contributions$91,400
Total interest earned+$79,000
Growth multiplier1.86×
Real value (3% inflation)$122,124
❄️ 46% of your final balance is pure interest — your money earned 0.86× itself.
Start at birth, graduate debt-free.
Try this →🔥
FIRE in 20 Years
FIREFinancial Independence, Retire Early. Aggressive saving + market returns.
After 20 years
Final balance
$1,728,708
Total contributions$650,000
Total interest earned+$1,078,708
Growth multiplier2.66×
Real value (3% inflation)$1,146,324
❄️ 62% of your final balance is pure interest — your money earned 1.66× itself.
The math behind quitting your job at 45.
Try this →📈
Warren Buffett's Pace
Long game40 years of patient, consistent market investing at historical S&P 500 returns.
After 40 years
Final balance
$3,725,397
Total contributions$250,000
Total interest earned+$3,475,397
Growth multiplier14.90×
Real value (3% inflation)$1,397,047
❄️ 93% of your final balance is pure interest — your money earned 13.90× itself.
Boring is beautiful when compounding does the work.
Try this →🛡️
Emergency Fund First
Safety netBuild a 6-month emergency fund in a high-yield savings account in 3 years.
After 3 years
Final balance
$20,449
Total contributions$19,000
Total interest earned+$1,449
Growth multiplier1.08×
Real value (3% inflation)$19,455
❄️ 7% of your final balance is pure interest — your money earned 0.08× itself.
Step 1 before any investment strategy.
Try this →🏠
House Down Payment
GoalsSave $60K for a 20% down payment in 5 years with disciplined monthly saving.
After 5 years
Final balance
$60,177
Total contributions$53,000
Total interest earned+$7,177
Growth multiplier1.14×
Real value (3% inflation)$55,197
❄️ 12% of your final balance is pure interest — your money earned 0.14× itself.
Avoid PMI and buy with confidence.
Try this →⚖
Side-by-side comparisons
Real numbers for the financial trade-offs people actually face.
401(k) vs Roth IRA: which one wins on the numbers?
We invest $500/month for 30 years at 8% return.
Difference
$225,044
Pay off debt or invest? The math, by interest rate
You have $500 per month and a $15,000 credit card balance at 22%.
Difference
$62,467
Starting 5 years later: what does the delay actually cost?
Two people invest $500/month at 7% real return.
Difference
$292,236
Emergency fund first or invest first? The 2-account answer
You have $500/month free.
Difference
$1,224
Buy vs rent: when does owning actually beat renting?
You're choosing between buying a $400,000 house at 6.5% with 20% down, or renting at $2,200/month and investing the difference.
Difference
$224,053
Lump sum vs monthly investing: which approach wins?
You have $60,000 sitting in cash — inheritance, bonus, or sale proceeds.
Difference
$844,151
Build your own scenario
Adjust any number, then hit Share to send your projection to a friend.
Open calculator →