Most of it isn't what you put in.

Interactive compound growth calculator showing how starting capital, annual contributions, rate of return, and time horizon combine to produce a final account value, with a stacked bar chart separating contributions from growth.

Tip: click a slider, then use ← → for exact steps.

This is a math toy, not a forecast. It compounds whatever numbers you give it at a fixed rate, every year, with no down years, no taxes, no fees, and no assignments — which is not how any real market has ever behaved. Nothing here is a projection of returns, a promise, or a recommendation. Options carry real risk of loss, including the loss of your entire investment. Past performance never predicts future results.