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Smarter Investing Happens After Hours

Compound Interest Calculator — StonkNite
Free investing tool

See what time actually does
to your money

Move the sliders to watch compound interest turn small, consistent contributions into serious long-term wealth.

You put in
—
total contributions
Final balance
—
after 30 years
Interest earned
—
money the market added
Starting amount$5,000
Monthly contribution$200
Annual return7.0%
Years invested30 yrs
Total balance Amount contributed
⏰
Time beats timing
Starting early — even with less money — nearly always beats waiting to invest more. A 25-year-old investing $100/mo typically beats a 35-year-old investing $200/mo by retirement.
📈
The S&P 500 averages ~10%
Historically the US stock market has returned about 10%/year before inflation. After inflation, real returns are around 7%. Low-cost index funds capture this automatically.
💸
Fees matter enormously
A 1% fund fee sounds small, but over 30 years it can reduce your final balance by 25%+. Look for index funds with expense ratios under 0.10% like FXAIX or VTSAX.
🏦
Use tax-advantaged accounts
Max your 401(k) to capture any employer match, then contribute to a Roth IRA. The tax savings alone can add tens of thousands to your final balance over time.

For educational purposes only. Not financial advice.

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