Illustrative estimates based on the numbers entered. Actual investment returns, lender calculations, fees and repayment schedules may differ. Not investment, lending, credit, tax or debt advice.
Add a starting amount, a regular contribution and a return assumption. Compoundly marks the year at which accumulated growth becomes larger than everything you have paid in.
57% of the final value comes from growth rather than from money you paid in.
| Point | Projected value | Money you paid in |
|---|---|---|
| Year 0 | €10k | €10k |
| Year 2 | €21k | €19k |
| Year 3 | €33k | €28k |
| Year 5 | €46k | €38k |
| Year 6 | €61k | €47k |
| Year 8 | €77k | €56k |
| Year 9 | €96k | €65k |
| Year 11 | €116k | €74k |
| Year 12 | €139k | €83k |
| Year 14 | €164k | €93k |
| Year 15 | €192k | €102k |
| Year 17 | €224k | €111k |
| Year 18 | €258k | €120k |
| Year 20 | €297k | €129k |
Growth overtakes the money you paid in during year 17.
Results are illustrative estimates based on the numbers you enter. Actual investment returns, lender calculations, fees and repayment schedules may differ. Compoundly is not investment, lending, tax or debt advice.
The chart carries two lines: the projected value, and a dashed line showing the total you have actually paid in. The gap between them is growth. Early on the gap is small and most of the balance is your own money. Later the gap widens faster than you can add to it — that is the point most people mean when they talk about compounding.
The marked crossover is the moment cumulative growth first exceeds cumulative money paid in, including the starting amount. It moves earlier with a higher assumed return and later with a larger contribution, because a bigger contribution raises the bar that growth has to clear.