Millionaire Calculator
Enter your starting amount, monthly contribution, return and years to see how close you get to a million.
- Free
- No sign-up
Enter your amounts, return and years to project the balance.
Worked example
With these example inputs:
- Starting amount$10,000
- Monthly contribution$1,000
- Annual return7%
- Years25 yr
Future balance: $867,326
- Total contributions$300,000
- Total interest$557,326
- Total growth179.8%
Frequently asked questions
How long does it take to become a millionaire?
It depends on your contributions and return. Starting with $10,000 and adding $1,000 a month at 7% reaches about $867,000 in 25 years, of which only $310,000 is money you put in; the million arrives around year 27.
What matters most, saving or returns?
Early on, your contributions drive the balance. Later, compounding takes over. Raising either the monthly amount or the return shortens the road to a million.