Future Value Calculator
Compound interest is the most powerful force in wealth building. See exactly how your money will grow over time with consistent investing.
The Rule of 72
Divide 72 by your annual return rate to find how many years it takes your money to double. The simplest mental math in all of investing.
Adjust the annual return rate
Time to Double
years
At return, your money doubles times in 30 years
Doubling Timeline (starting with $10K)
$10,000 invested at becomes after doublings — that is the power of compound growth.
Calculate Your Future Value
Enter your investment details to see how compound interest grows your wealth.
Future Value Calculator
See how much your investments will grow over time with compound interest.
Estimated Future Value
In years:
Where to Put Your Money
Maximize your returns by using the right accounts in the right order.
401(k) with Employer Match
Always contribute enough to get the full employer match — it is an instant 50-100% return on your money before any market growth. If your employer matches 50% on the first 6% of your salary, that is free money you cannot afford to leave on the table. This comes first, no exceptions.
Priority: #1 — Do this before anything else
Roth IRA
Tax-free growth and tax-free withdrawals in retirement make the Roth IRA one of the most powerful wealth-building vehicles available. You contribute after-tax dollars, but every dollar of growth is yours forever. For early retirees, contributions (not earnings) can be withdrawn penalty-free at any time.
Priority: #2 — Max this out each year after getting your full employer match
HSA (Health Savings Account)
The HSA is the only account with a triple tax advantage: tax-deductible going in, grows tax-free, and tax-free withdrawals for medical expenses. The stealth retirement strategy: pay medical expenses out of pocket now, invest your HSA, and withdraw decades of tax-free growth later. After age 65, it functions like a traditional IRA for non-medical expenses.
Priority: #3 — The ultimate stealth retirement account if you have a high-deductible health plan
Taxable Brokerage
After maxing all tax-advantaged accounts, invest the rest in a taxable brokerage with low-cost index funds. No contribution limits, no withdrawal penalties, and fully flexible. Long-term capital gains rates are favorable, and tax-loss harvesting can further reduce your tax burden. This is your bridge account for early retirement.
Priority: #4 — Unlimited, flexible, and essential for early FI
Daily Latte Compound Explorer
What if you invested that daily purchase instead? Toggle common expenses and watch compound growth do its thing.
If You Invested Instead
Your daily habit is worth over 30 years. Small changes, massive results.
Frequently Asked Questions
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