Put in a starting amount and a monthly contribution — and see what time does to your money. This is the most powerful concept in personal finance, and most people never use it.
Regular interest means you earn a return on your original money. Compound interest means you earn a return on your original money plus all the interest you've already earned. Over time, this creates a snowball effect — the longer you leave it, the faster it grows.
Einstein (allegedly) called it the eighth wonder of the world. Whether he said it or not, the maths backs it up.
This calculator uses a fixed rate of 7.5% per year — a conservative blended average between Australian ETF index funds (historically ~9–10% p.a.) and property (~6–7% p.a.). It's an estimate, not a guarantee. Real returns go up and down, and past performance doesn't predict future results.
Run the numbers to see the insight.