Your numbers
$
$
%
yr
Phase verdict
Velocity era
Return rate is your lever now
Savings as % of portfolio
3.3%
Annual market return
$52,500
Mirror curves
Share of annual growth as portfolio grows
Solid line rises as portfolio grows; dashed line falls
Market return share (rising)
Savings share (falling)
CAGR savings equivalence
Extra annual savings that matches a CAGR improvement
| +1% CAGR | equals | $15,861 / yr |
| +2% CAGR | equals | $31,723 / yr |
The larger your portfolio, the more a small CAGR improvement outpaces adding more savings.
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.