Investment Simulator How long does it take to save your first $100,000?
Compare three monthly deposits and find when their purchasing power reaches $100,000 in today’s U.S. dollars.
Starting from zero and investing $1,000 a month, the projection reaches $100,000 in today’s U.S. dollars after 7 years, 11 months.
Compare monthly deposits
The examples use a constant 0.5% monthly return, 2.5% annual inflation, and 0% tax on gains. Contributions are fixed in dollar terms and made at the start of each month.
| Monthly deposit | Time to $100,000 | Purchasing power at the milestone |
|---|---|---|
| $500 | 14 years, 11 months | $100,261.02 |
| $1,000 | 7 years, 11 months | $100,196.32 |
| $2,000 | 4 years, 1 month | $100,616.29 |
Each link opens the calculator with the inputs filled in. The milestone is the first month the inflation-adjusted balance reaches the target. If you receive a bonus or have cash already invested, change the starting balance to see the impact.
Once you reach the milestone, compare how long the next $100,000 could take.