Project a starting amount plus monthly contributions and watch which year growth overtakes your deposits. Free, instant, in your browser.
Open the calculator Read the guidesThe final balance split into what you deposited and what compounding added — the number that changes behavior.
Not just the end number: the whole curve, so year 8's boredom and year 20's payoff are both visible.
Constant-return projections labeled as such. Markets vary; the math shouldn't pretend otherwise.
Interactive calculators — numbers first, opinions second.
The math behind patient money.
Q2 2026 net inflows were broad-based: ETFs, private markets, active fixed income, systematic equity. The fee drag math that explains the ETF story, in dollars.
NewsJune CPI dropped 0.4%, the biggest monthly decline since April 2020. What 3.5% instead of 4.2% inflation does to the real return on a $10,000 portfolio.
RetirementSame $7,500 limit, same investments, one difference: when you pay tax. The 30-year computed table, the 2026 IRS phase-outs, and what to do when you cannot predict your bracket.
NewsTreasury contributions began July 4 with nearly 6 million sign-ups. What one untouched $1,000 becomes by age 18, at 5%, 7%, and 9%.
ToolsSame $10,000 + $200/month scenario, three different answers. We traced every dollar of disagreement and ranked the three tools.
InvestingGot a windfall? Two fully worked scenarios show when investing it all at once beats dollar-cost averaging - and when spreading it out wins.
InvestingHow compounding turns $10,000 into $76,000, why the Rule of 72 works, and what starting ten years earlier is actually worth - with every number shown.
A worked example or calculator update that makes long-term money math concrete. Monthly, short.
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