Spending Simulator
What would happen if you cut one spending habit and invested the savings? Small, consistent changes can compound into life-changing amounts over time.
🎯 The Spending Change
$
$
Monthly savings redirected:
$100
📈 Investment Growth Assumptions
If you invest the monthly savings, how much could it grow? Adjust the assumed annual return below.
7%
Common benchmarks: 4–5% (conservative / bonds), 7% (S&P 500 historical avg, inflation-adjusted), 10% (nominal S&P 500 avg).
%
Enter your highest debt interest rate to see guaranteed savings from debt payoff.
⚡ Quick Scenarios
Try these common spending changes:
For educational purposes only. Projected growth figures are illustrative estimates based on assumed rates of return and consistent monthly contributions. Actual investment returns vary and are not guaranteed. Past performance does not predict future results. Consult a qualified financial professional before making investment decisions.
[NOTE: Projections use compound interest: FV = PMT × ((1 + r)^n − 1) / r. All assumptions (rate, timeframe, contributions) are user-defined.]
[NOTE: Projections use compound interest: FV = PMT × ((1 + r)^n − 1) / r. All assumptions (rate, timeframe, contributions) are user-defined.]
20-Year Projected Value
$0
from your spending change
Growth at a Glance
1 Year
$0
$0 saved
5 Years
$0
$0 saved
10 Years
$0
$0 saved
20 Years
$0
$0 saved