Free Tools
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Free Tool · Compounding Calculator
Real life isn't a flat monthly payment.
Contributions and risk change as your career grows. Set what each stage of life invests, and see what compounding does with it. Teachers: there is a ready-to-assign lesson built on this calculator, The Life Stage Experiment (printable PDF).
Why do return rates change?
When you're young with decades ahead, you can be nearly all stocks (historically about 10% per year). As you age, you shift toward bonds and stable investments for safety: lower returns, less volatility. This is how real financial planning works.
After 44 years of investing through every life stage
You contributed $529,200 · Compound growth added $1,586,160