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Time is the most powerful factor in compound interest. A 20-year investment horizon versus 10 years doesn't just double your returns - it can more than triple them due to exponential compounding growth. Starting early makes an enormous difference.
Input your starting investment amount.
Enter expected annual return rate (APR).
Select investment duration in years.
Choose how often interest compounds.
Optional: Add regular monthly contributions.
See total returns and year-by-year breakdown.
Input your starting investment amount.
Enter expected annual return rate (APR).
Select investment duration in years.
Choose how often interest compounds.
Optional: Add regular monthly contributions.
See total returns and year-by-year breakdown.
Time is the most powerful factor in compound interest. A 20-year investment horizon versus 10 years doesn't just double your returns - it can more than triple them due to exponential compounding growth. Starting early makes an enormous difference.
The best choice depends on your individual financial situation, goals, and constraints. Use the calculators above to compare both options with your specific numbers.