What is compound interest?

Compound interest is interest earned on both your original principal and on previously accumulated interest. Over time, this snowball effect accelerates wealth growth dramatically.

What is the crossover point?

The crossover point is the year when your cumulative investment gains exceed your total contributions. After this point, your money is doing more work than you are.

Why does compounding matter for FIRE?

Compounding means early contributions have the most impact. Starting 10 years earlier can double your ending balance, even with the same total contributions.

Compound Interest Calculator

See the power of compounding -- how time turns small contributions into serious wealth.

Starting Amount ($)

Annual Contribution ($)

Monthly Contribution ($)

Annual Return (%)

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Investment Gain

Growth Chart

Contributions Gains

Year 1Year N

Year-by-Year Breakdown

Year	Age	Contributed	Balance	Gain

For educational purposes only. Not financial advice. Returns are hypothetical and do not reflect any specific investment.

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