The eighth wonder of the world
Compound interest means you earn returns on your returns — and over decades the effect is dramatic. This calculator shows your final balance, how much you actually contributed, and how much is pure interest growth. Try it: $10,000 at 7% for 20 years with $200/month becomes far more than the sum of deposits.
The lesson
Time matters more than amount. Starting 10 years earlier often beats contributing twice as much later. This is an estimate for planning — actual returns vary and aren't guaranteed.