Your real net worth trajectory based on what you save and invest each month.
Your timeline to any net worth target
Your timeline under different conditions
Becoming a millionaire is far more achievable than it sounds when you let compounding do the heavy lifting. Someone saving $800/month at a 7.5% average return reaches $1 million in roughly 28 years — without ever needing a six-figure salary, just consistency.
The contribution amount matters less than people assume once the timeline is long enough — the difference between starting at 25 versus 35 often outweighs the difference between saving $500/month versus $800/month. Time in the market consistently beats trying to perfectly time contributions.
This calculator shows pure investment growth, not factoring in home equity or other assets — for a complete net worth picture including property, use this alongside the Home Affordability and Mortgage calculators to see your full financial position.