Ready-made scenarios

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🏖️
Retire at 40
Early retirement
Start 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?
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☕
The Latte Factor
Habits
Skip $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.
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💰
$1 Million Goal
Milestone
The 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.
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🎓
College Fund
Family
18 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.
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🔥
FIRE in 20 Years
FIRE
Financial 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.
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📈
Warren Buffett's Pace
Long game
40 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.
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🛡️
Emergency Fund First
Safety net
Build 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.
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🏠
House Down Payment
Goals
Save $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.
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