Time does more work than timing
In most long-horizon projections, growth overtakes contributions somewhere between year twelve and year twenty. Starting earlier moves that crossover forward far more reliably than chasing a higher return.
Free tool
Compound Growth Calculator
Set a starting balance, a monthly contribution and an expected return. The chart splits your projected balance into what you put in and what compounding added.
Contributions vs growth
Gold is the projected balance; navy is the money you actually paid in. The gap between them is compounding.
Why the split matters
Fees compound too
A 1% annual fee is roughly a 1% lower return here. Run the calculator twice, once at your gross expected return and once a point lower, to see the lifetime cost.
This is nominal, not real
The balance is in future dollars. To see what it buys, run the same horizon through the inflation impact calculator.
Sources and further reading
The assumptions behind this tool are drawn from public, primary sources. Check them yourself:
- Investor.gov — Compound interest calculator
The SEC's own calculator, useful as a cross-check.
- SEC — Mutual fund fees and expenses
How ongoing fees erode long-term returns.
- FINRA — Fund analyzer
Compare the real cost of specific funds over your holding period.
Frequently asked questions
See where you stand — free
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Wealth Vista is software, not a fiduciary. Professionals remain responsible for advice delivered to their clients; consumers should consult a certified professional before acting.