compound · MMXXVI

Your money,
compounded.

A quiet playground for understanding what time does to a small number.

01 · playground

Move the dials.
watch time do the work.

Four inputs drive the whole picture. Every change ripples through every number on the page — in real time, in plain language.

Investment Parameters

INPUT · 01
Initial Investment
$
Monthly Contribution
$
Expected Annual Return
%
Investment Period
yrs

Your Projection

OUTPUT · 02
Final Value
$426,405
nominal dollars after 20 years · 3.3x
Total Contributed$130,000
Total Gains$296,405

Growth, year by year

Hover or drag across the curve to explore each year.

Total Value
Contributions
$0k$100k$200k$300k$400k$500kY2Y4Y6Y8Y10Y12Y14Y16Y18Y20

~50% of your final wealth shows up in the last 6 years — that's the quiet shape of compounding. The final value is $426,405.

02 · cost of waiting

Every year you delay,
compounding keeps the change.

Delay Starting By
10 years
Start Today$426,405
Start in 10yr$125,869
Cost of Waiting$300,535

Two paths, one finish line

Start Today
Delayed by 10yr
$0k$125k$250k$375k$500kY2Y4Y6Y8Y10Y12Y14Y16Y18Y20starts here

Waiting 10 years costs you $300,535. The market doesn't reward hesitation — compounding rewards time in the game.

03 · scenarios

What if you'd bought
a little, every month?

Backtest against nine of the most-watched tickers in the world. Then look forward — the dashed extension shows what the same rate implies from today on.

Choose a stock

Monthly
$300
Start Year
2016
End Year
2026
Simulate Extra Purchases
Total Invested
$36,000
Current Value
$59,524
Total Return
+65.3%
Annual Return
+5.2%

If you had invested $300/mo in S&P 500 ETF since 2016

$23,524

in gains you may have missed

Portfolio Value
Total Invested
Projected
$0k$25k$50k$75k$100k201620182020202220242026NOW

40% of your final portfolio is pure gains.

04 · share

Save this number.
mail it to future you.

Export a shareable card with your projection. Your inputs are encoded in the URL — no account required.

COMPOUND · 001
Investment Projection
Final Portfolio Value
$426,405
3.3x your money
Monthly
$500
Period
20 years
Return
10.0%/yr
Contributed
$130,000
Gains
$296,405
compound.invest · long-term thinking
COMPOUND · A PLAYGROUND FOR PATIENT MONEY
Educational only. Past performance is not future performance.
INITIAL$10,000·MONTHLY$500·RETURN10.0%·YEARS20FINAL$426,405