Monthly Contribution
$
Starting Age
Retirement Age
Annual Return (%)
%
1

START NOW

Investing40 years
Contributions$144,000
Growth$903,302

$673,845

Final Value

2

WAIT 5 YEARS

Investing35 years
Contributions$126,000
Growth$562,165

$442,773

Final Value

3

WAIT 10 YEARS

Investing30 years
Contributions$108,000
Growth$339,108

$287,674

Final Value

4

WAIT 15 YEARS

Investing25 years
Contributions$90,000
Growth$195,308

$183,570

Final Value

The Cost of Waiting

WAITING 5 YEARS COST YOU

$196,898

5 fewer years of compounding

WAITING 10 YEARS COST YOU

$329,058

5 fewer years of compounding

WAITING 15 YEARS COST YOU

$417,765

5 fewer years of compounding

Growth Over Time

2527293133353739414345474951535557596163650K300K600K900K1.2M
  • Start Now
  • Wait 5 Years
  • Wait 10 Years
  • Wait 15 Years

Rule of 72

Money needs time to compound. The earlier you start, the more times your money can double.

8 years investing

~1× doubles

10 years investing

~1× doubles

15 years investing

~2× doubles

At 8%, money doubles every ~9 years

The Cost of Waiting

The greatest investment advantage is not timing the market.

It is giving your money more time in the market.

Start Now vs Wait 10 Years$385,605

Same monthly contribution. Same rate. Just a later start.

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