Starting balance + monthly contributions + time. Useful for visualizing why consistent surplus investing beats sporadic windfalls.
Future value
$835,361
Your contributions
$290,000
Growth
$545,361
Assumes constant monthly contributions and a fixed return — markets vary. Not a forecast.
Premium travel rewards
Open or fund a brokerage so this monthly contribution actually happens.
Chase Sapphire Reserve or Sapphire Preferred: earn 100,000 bonus Ultimate Rewards points when you meet the welcome offer on either card through this referral. Strong travel and everyday value for families building FI margin. Apply here and we can both be rewarded if you're approved.
Referral link — if you sign up, the site may earn a commission at no extra cost to you.
Next: read the sequence
What to do with the number, before another tool or another calculator.
One email on Sunday. The current issue is waiting after you join.