At 8% return, $100/month from age 12 grows to over $1 million by 65. Move the sliders and see exactly what YOUR savings could become.
You're about to know more about money than most grown-ups. These are the ideas that actually matter.
Your money earns money, which earns more money. The longer it grows, the faster it grows. Einstein called it the 8th wonder of the world.
Ages 10+A 12-year-old saving $25/month ends up with more than a 25-year-old saving $200/month — just from starting earlier. Time beats amount.
Ages 12+Split your money into three buckets: 50% for needs, 30% for wants, 20% for savings and future goals. Simple, but it works.
Ages 13+Higher potential returns usually mean higher risk. A savings account is safe but slow. Index funds are volatile but grow more over decades.
Ages 14+A mortgage that builds equity = good debt. A credit card at 22% APR for clothes = bad debt. The difference determines your financial future.
Ages 15+When your investments generate enough to cover your living expenses, you're financially independent. You can work because you want to, not because you have to.
Ages 16+Same $50/month. Same 7% return. The only difference? When you start. This is why starting NOW matters so much.
Want to help make this real? Opening a custodial Roth IRA with $100/month could mean over $1 million for your child by retirement (at 8% return) — entirely tax-free. The calculator above shows exactly how.
Plan your family's FIRE →