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The chart that sells the habit.

Small money, invested monthly, becomes big money. Watch compounding do the heavy lifting — then start earlier than you planned.

Starting amount ($)

Monthly contribution ($)

Annual return (%) — e.g. 8 for the stock market's long-run average

Years

Final balance

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You contributed

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Growth did the rest

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Your money over time

What you put in Compounding growth

Educational tool only — not financial advice. Assumes a constant annual return compounded monthly; real markets bounce around and past returns don't guarantee future ones. Not a prediction.

Why this chart matters

Time beats timing. Starting 5 years earlier usually beats earning a higher return later — the green area explodes in the final years.
Boring wins. The same monthly contribution, automated, outperforms most stock-picking over decades.
The Rule of 72. Divide 72 by your return % for a rough doubling time: at 8%, money doubles about every 9 years.

The chart that sells the habit.

Your money over time

Why this chart matters

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