Time to Millionaire
Explore how long it could take to reach a target investment balance, how much is from your contributions vs. growth, and how small tweaks to your savings rate or return can move your “millionaire date.”
Goal & Starting Point
If provided, we'll estimate your age when you hit your target. This stays in your browser only.
Contribution vs Growth
Total contributed by target$387,500
Growth (investment gains)$613,845
Contributions38.7%
Investment growth61.3%
Early on, most of your balance is contributions. Over time, compound growth does more of the heavy lifting.
Time to Target
Time to target (months)$225
Time to target (years)18.8
Final balance at target$1,001,345
Total contributed$387,500
Total growth$613,845
Assumes fixed monthly contributions and a constant average annual return. Real markets are volatile and results will vary.
What If You Tweaked the Plan?
If returns were 2% higher (APR)
Base plan: ~18.8 years. With this change: ~16.5 years (about saving 2.3 years).
If you added $200/month
Base plan: ~18.8 years. With this change: ~17.8 years (about saving 1.0 years).
These scenarios keep everything else fixed and just adjust one variable, to show how sensitive your timeline is.
Year-by-Year Snapshot
| Year | Balance | Total contributed |
|---|---|---|
| 0 | $50,000 | $50,000 |
| 1 | $72,825 | $68,000 |
| 2 | $97,544 | $86,000 |
| 3 | $124,315 | $104,000 |
| 4 | $153,308 | $122,000 |
| 5 | $184,708 | $140,000 |
| 6 | $218,713 | $158,000 |
| 7 | $255,541 | $176,000 |
| 8 | $295,426 | $194,000 |
| 9 | $338,621 | $212,000 |
| 10 | $385,401 | $230,000 |
| 11 | $436,064 | $248,000 |
| 12 | $490,932 | $266,000 |
| 13 | $550,354 | $284,000 |
| 14 | $614,708 | $302,000 |
| 15 | $684,403 | $320,000 |
| 16 | $759,883 | $338,000 |
| 17 | $841,628 | $356,000 |
| 18 | $930,158 | $374,000 |