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The chart that sells the habit.
Small money, invested monthly, becomes big money. Watch compounding do the heavy lifting — then start earlier than you planned.
Your money over time
What you put in
Compounding growth
Educational tool only — not financial advice. Assumes a constant annual return compounded monthly; real markets bounce around and past returns don't guarantee future ones. Not a prediction.
Why this chart matters
- Time beats timing. Starting 5 years earlier usually beats earning a higher return later — the green area explodes in the final years.
- Boring wins. The same monthly contribution, automated, outperforms most stock-picking over decades.
- The Rule of 72. Divide 72 by your return % for a rough doubling time: at 8%, money doubles about every 9 years.