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Investing beats savings through compound interest.

Compound interest can grow your money faster than simple savings. Use this calculator to see how investing with compound growth compares to just saving your money over time.
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Add your starting amount, time horizon, return, and monthly contribution
8% is a long-term market average. Choose monthly or annual compounding below.
Compounding Frequency
Summary
Updates when you calculate
Educational only. Real returns vary. Taxes, fees, and inflation are not included.
Saving vs. Investing Over Time
Use the slider to explore growth year by year
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Invested (8.00% per year) Saved (no growth)
Yearly snapshot
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Year Total contributed Saved Invested Growth above contributions