Investment Calculator

The Snowball Calculator

Turn pocket change
into a snowball.

Move the sliders. Watch how little you actually need to put in — and how much time does the rest.

Current age 20
Retirement age 65
Monthly contribution $50
Expected annual return 7%
what you'd have at retirement
$0
$0you put in
$0the market grew for free

Assumes monthly contributions, compounded annually at your chosen rate. Historical stock market averages run 7–8% before inflation, closer to 6% after. This is a simple estimate, not financial advice — real returns bounce around a lot year to year.