Savings Rate Calculator: How Your Savings Rate Dictates Your FI Date
See why savings rate is the most powerful financial lever. A 10% increase in savings rate cuts years off your mandatory working timeline.
📈 Portfolio Growth by Year: Contributions vs Compound Interest
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The Mechanics of Compound Interest: Deposits vs Growth
Compound interest is the snowball effect where earnings on your capital generate their own earnings. As clearly illustrated in the yearly breakdown chart above, during the initial accumulation phase the vast majority of your portfolio value consists of your out-of-pocket deposits. However, after 10 to 15 years, a critical inflection point occurs: cumulative compound growth (the gold portion) begins to dwarf the total money you ever deposited from your paycheck (the emerald portion)!
The Rule of 72 and Exponential Accumulation
A quick mental rule for understanding capital doubling is the Rule of 72: divide 72 by your expected annual return (e.g., 8%) to find the years required to double your portfolio (approx. 9 years). This demonstrates why maintaining a consistent savings rate and staying invested over multi-decade horizons generates generational wealth.
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