Enter a monthly investment amount and see what it becomes over 10, 20, and 30 years — plus the real cost of starting 5 or 10 years from now instead of today.
1
Your investment
Enter a monthly amount you could invest. It doesn't have to be what you invest today — use a realistic future number.
$
Any consistent regular amount — $50, $200, $500.
%
7% is a common long-term estimate for diversified share funds. Not guaranteed.
2
Your time horizon
Choose how to set your investment period — by years, or by age.
The tool always shows 10, 20, and 30-year outcomes. This sets your "start now" baseline for the cost-of-waiting comparison.
Years to invest = target age − current age.
Projected outcomes
Cost of waiting
From the lesson
"Time is the most powerful ingredient you have."
The same contribution invested for 30 years produces dramatically more than for 20 years — not because anything changed about the money, but because of time. Starting earlier matters far more than starting with more.