Investment Simulator Is the next $100,000 easier to save than the first?
Compare the time to your first and second $100,000 using the same monthly contribution.
With $1,000 a month, the model takes 7 years, 11 months to reach the first $100,000 and 6 years, 2 months to go from $100,000 to $200,000. Each result measures purchasing power from the start of its own scenario.
Compare the next milestones
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.
| Starting balance | Target | Time |
|---|---|---|
| $0 | $100,000 | 7 years, 11 months |
| $100,000 | $200,000 | 6 years, 2 months |
| $200,000 | $300,000 | 5 years |
At 0.5%, $100,000 of starting capital earns $500 in the first month before accounting for inflation or the new deposit. Starting with $100,000 and keeping the same fixed deposit, the model takes 36 years, 5 months to reach $1 million in starting-dollar purchasing power.
Open the second $100,000 scenario or work backwards from a $1 million deadline.