Your numbers
$
$
%
Results
4.2×
the market does 4.2× your work this year
Crossover
Already crossed
Annual return
$105,000
Contribution impact
Growth of one year’s savings over time
$25,000 saved today → $374,000 in 40 years at 7%
Drawdown exception
Bear markets are when consistent savers quietly pull ahead. Every dollar contributed during a drawdown buys more shares than it would at fair value — a structural advantage that compounds forward.
30%
At a 30% drawdown, you buy
43% more shares per dollar.
Educational purposes only. This calculator illustrates mathematical concepts related to long-term investing and is not financial advice. Past market returns do not guarantee future results. Portfolios can lose value. The formulas assume constant returns and do not account for taxes, fees, inflation, or sequence-of-returns risk. Consult a qualified financial professional before making investment decisions.