AHA! INVESTMENT TOOLS
When does your investment
start to snowball?
Compound Interest Visualizer. Explore how your starting capital, monthly contributions, and expected returns can change your balance over time.
YOUR NUMBERS
Same contributions. Different possibilities.
Enter your own expected returns. Default numbers are examples.
Calculated in your browser; inputs are not sent to our server. Annual returns are effective annual rates converted to monthly growth.
THE SNOWBALL EFFECT
Where could 20 years take you?
Projected B minus A difference: $42,683.43. Capital, contributions, and duration are identical.
YEAR BY YEAR
Contributions and growth
| Year | Contributions | Balance A | Gain / loss A | Balance B | Gain / loss B |
|---|---|---|---|---|---|
| 0 | $10,000.00 | $10,000.00 | $0.00 | $10,000.00 | $0.00 |
| 1 | $13,600.00 | $14,181.77 | $581.77 | $14,414.09 | $814.09 |
| 2 | $17,200.00 | $18,572.64 | $1,372.64 | $19,137.16 | $1,937.16 |
| 3 | $20,800.00 | $23,183.04 | $2,383.04 | $24,190.86 | $3,390.86 |
| 4 | $24,400.00 | $28,023.97 | $3,623.97 | $29,598.30 | $5,198.30 |
| 5 | $28,000.00 | $33,106.94 | $5,106.94 | $35,384.27 | $7,384.27 |
| 6 | $31,600.00 | $38,444.06 | $6,844.06 | $41,575.26 | $9,975.26 |
| 7 | $35,200.00 | $44,048.03 | $8,848.03 | $48,199.62 | $12,999.62 |
| 8 | $38,800.00 | $49,932.21 | $11,132.21 | $55,287.68 | $16,487.68 |
| 9 | $42,400.00 | $56,110.59 | $13,710.59 | $62,871.91 | $20,471.91 |
| 10 | $46,000.00 | $62,597.89 | $16,597.89 | $70,987.03 | $24,987.03 |
| 11 | $49,600.00 | $69,409.56 | $19,809.56 | $79,670.21 | $30,070.21 |
| 12 | $53,200.00 | $76,561.81 | $23,361.81 | $88,961.22 | $35,761.22 |
| 13 | $56,800.00 | $84,071.68 | $27,271.68 | $98,902.59 | $42,102.59 |
| 14 | $60,400.00 | $91,957.04 | $31,557.04 | $109,539.86 | $49,139.86 |
| 15 | $64,000.00 | $100,236.66 | $36,236.66 | $120,921.74 | $56,921.74 |
| 16 | $67,600.00 | $108,930.27 | $41,330.27 | $133,100.35 | $65,500.35 |
| 17 | $71,200.00 | $118,058.55 | $46,858.55 | $146,131.47 | $74,931.47 |
| 18 | $74,800.00 | $127,643.25 | $52,843.25 | $160,074.76 | $85,274.76 |
| 19 | $78,400.00 | $137,707.19 | $59,307.19 | $174,994.08 | $96,594.08 |
| 20 | $82,000.00 | $148,274.32 | $66,274.32 | $190,957.76 | $108,957.76 |
Monthly return = (1 + annual return)^(1/12) − 1. Each month: previous balance × (1 + monthly return) + contribution. Calculations retain precision; rounding is for display only.
THE STORY BEHIND THE NUMBERS
When Does Compound Growth Start to Snowball?
Separate the money you put in from the growth that stays invested.
Read the story
Mortgage early payoff
Enter your loan amount, rate, and extra payment to see monthly payments, interest saved, and time reduced.
Explore your mortgage
Photo submission resizer
Resize or crop a photo, set a file size limit and download a JPG or PNG.
Prepare a photo
Shopping price comparison
Compare coupons, shipping and rewards to find the cash payment and price per unit.
Compare prices
WebP converter
Convert JPG or PNG images to WebP and choose the quality and file size.
Convert an image
Custom QR codes
Turn a website link or Wi-Fi details into a QR code you can download.
Create a QR code