Future Wealth Calculator

Compare investing vs saving — see your future wealth.
Shared links include Future Wealth or Future Cost only (Monthly Budget is not included).
Your total wealth after 25 years
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Value in today’s dollars: —
Breakdown (end)
— invested
— savings
Investment Savings Total (line) Savings (no investing)
Milestones
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Money you already have
Money already in stocks/ETFs/funds. Put 0 if none.
Money in bank accounts. Put 0 if none.
Money you add each month
Source: Manual input
Savings contribution.
Tip: You can still edit manually after importing.
Assumptions (optional)
Presets adjust return/interest.
We use net return ≈ return − fees (simple Version 1 model).
Comparison
Compare: save everything instead of investing
Savings-only assumes your monthly “invest + save” goes into savings. Starting investments still grow.
Show yearly breakdown
We show years 0, 5, 10… to keep it easy to read.
Year Investment Savings (with investment) Total Savings (no investing)

Disclaimer: Educational estimate only. Not financial advice. Ignores tax and personal circumstances.

Monthly Budget
Add income and expenses. Everything can be removed/edited.
Income (monthly)
Expenses (monthly)
Results
Total income
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Total expenses
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Monthly surplus
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Invest allocation
80%
Choose how much of your surplus goes to investing.
Invest per month
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Save per month
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Transfers totals only (no personal line items).
Future Cost
See what a purchase could become if invested instead.
Updates after you pause typing.
Future value (if invested)
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Opportunity cost (future − today)
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