Put in a starting amount, add a monthly contribution, pick an expected return — and watch how compounding turns steady investing into real wealth over time. Choose your country and whether you invest in the US market or your own home market: it tailors the benchmark, US dividend withholding, your home-country capital-gains tax, your currency and its drift against the dollar — and, for home-market investors, shows what the same money would have done in the US instead.
Projects an investment forward month by month: your starting balance grows at the expected return while each monthly contribution is added and compounds too. It separates what you put in (contributions) from what the market did (growth), so you can see exactly how much of the final balance is compounding doing the work.
Anyone building wealth through a brokerage account, IRA, 401(k), or index funds. Useful for setting a monthly auto-invest amount, sanity-checking a "what will this be worth at 65?" question, or seeing the payoff of bumping contributions a little each year.
It also has a cross-border mode for non-US investors buying US stocks and ETFs. Pick your country — US, UK, Canada, Australia, Ireland, India, or Singapore — and it applies the US dividend-withholding treaty rate, your home-country capital-gains tax, your currency, and an annual currency-drift assumption versus the dollar. That last part matters: because the holdings are dollar-denominated, a depreciating home currency (the Indian rupee, say) quietly lifts their local-currency value over time, shown separately as a "Currency Gain." It also flags the country-specific gotchas — India's LRS remittance limit, the US estate-tax exposure on US-situs assets, and the Irish-domiciled-ETF workaround.
Assumes a smooth average return — real markets are volatile, and the order of good and bad years matters (see the Sequence-of-Returns tool). Returns are nominal (not inflation-adjusted) and ignore fees. The cross-border tax treatment is a planning estimate, not advice: dividend withholding and capital-gains tax are applied as simplified annual/exit drags, and your actual filing (foreign tax credits, holding-period rules, surcharges) will differ. Confirm specifics with a cross-border tax adviser.
Set by your country above — adjust any of these to match your situation.
| Year | Balance | Contributed | Growth |
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