Calculators

Hypothetical illustrations for education — not predictions or recommendations.

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See what small steps could become.

Hypothetical compound growth. Not a prediction or guaranteed return.

Starting balance ($)

Monthly contribution ($)

Time horizon (years)

Assumed annual return (%)

Starting balance: $1,000
Additional contributions: $24,000
Hypothetical growth: $24,514
Hypothetical ending balance: $49,514

Assumes annual nominal return ÷ 12, monthly compounding, contributions at month-end, no taxes, fees or inflation. Rounded annual balances. Negative returns are supported; real returns vary.

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Hypothetical illustration. Both scenarios use the same steady return — only fees differ. Enter fund expense ratios here only if they are NOT already reflected in the return assumption, to avoid double-counting.

Starting amount

Monthly contribution

Years

Return %/yr

Scenario A (low fee)

Fee %/yr

Fixed $/yr

Scenario B (high fee)

Fee %/yr

Fixed $/yr

A ends at

$359,320

B ends at

$294,355

Cost of B's fees

$64,965

B pays $35,271 in fees directly; the larger $64,965 gap includes lost compounding — growth those fees would have earned. Fees are charged monthly: balance × %/12 plus fixed/12.