The opposite of the Degen-Trade Calculator on purpose. No leverage, no lotto tickets — just what happens when you put money in consistently and let time do the actual work. This is the boring way that works.
Not financial advice. This assumes a constant annual return, which real markets never actually deliver — real returns are lumpy and unpredictable year to year, even if they average out over long periods. Past performance is not indicative of future results. Consult a licensed financial advisor before making any investment decision.
Compound growth means you earn returns on your original money and on the returns it already made. Early on it looks slow. Given enough years, the gap between what you contributed and what you actually end up with stops looking real — that gap is compounding, working quietly in the background the entire time.
Change any number below and everything — the chart, the totals, the Rule of 72 estimate — updates live.
Rule of 72: at 8% a year, your money roughly doubles every 9 years — no contributions needed, just time and that rate holding steady.
Same monthly amount, same rate — the only difference is when you start. This is the single most expensive decision in investing, and it's usually made by accident.
A 1% annual fee sounds tiny. Over decades, compounded against you instead of for you, it isn't.
Life happens. This shows what your money keeps doing even if you have to stop adding to it partway through.