How it works
Each month, your balance grows by the monthly return (annual return divided by 12) and then your monthly contribution is added. The calculator counts months until the balance reaches $1,000,000, up to 100 years. Returns are not guaranteed — markets rise and fall, so this timeline is an illustration, not a promise.
Frequently asked questions
What if it never reaches $1 million?
If contributions and return are too low, the page says so instead of giving a misleading number. Increase the contribution, the time horizon, or both in your planning — not the assumed return alone.
Is the return guaranteed?
No. The return you enter is an assumption. Real investment returns vary year to year and can be negative.