How many years of saving and investing it takes to reach a million, or any target you choose.
Figures checked: October 2026 · Methodology and sources
Returns are not guaranteed; this assumes the same rate every year.
Enter what you have invested, what you add every month and a yearly return. The calculator adds each month's contribution and return until you reach the target, and shows how much of it you paid in and how much came from returns.
Over long periods, returns do most of the work: that is why starting early matters more than the amount.
For a diversified stock portfolio, many people plan with 5 to 7 % a year over the long term, before inflation. Savings accounts earn far less.
No. With 2 % inflation it buys about what 550,000 buys today. Use a real return to stay in today's money.
Yes, any amount: a house deposit, a sabbatical or financial independence.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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