What steady investing could be worth at 70.
Enter what you have to start, your age, and what you can add each month. The projection grows it at the S&P 500’s long-run average until you turn 70.
What the calculator assumes
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10% a year
Close to the index’s average since 1957. Single years range from deep losses to large gains.
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Compounded monthly
Growth is applied every month, and each contribution lands at the end of its month.
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Until age 70
The projection runs from your age today to your 70th birthday.
Your numbers
Filled in with an example. Change any of it.
How the math works
One formula, shown in full.
Two parts add up to the result: what your starting amount grows into, and what the stream of monthly contributions grows into alongside it.
Value at 70 = S × (1 + r)n + M × ((1 + r)n − 1) ÷ r
- S
- Your starting amount.
- M
- Your monthly contribution.
- r
- 10% ÷ 12, the monthly rate.
- n
- (70 − your age) × 12, the number of months.
The result is rounded to the nearest dollar. Total contributions is S + M × n: everything you put in, before any growth.
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