$1,000 for 40 years at returns from 4% to 10%
| Return | Balance | Multiple | In today’s dollars |
|---|---|---|---|
| 4% | $4,801 | 4.8× | $1,472 |
| 5% | $7,040 | 7.0× | $2,158 |
| 6% | $10,286 | 10.3× | $3,153 |
| 7% | $14,974 | 15.0× | $4,591 |
| 8% | $21,725 | 21.7× | $6,660 |
| 10% | $45,259 | 45.3× | $13,875 |
Year by year at 7%
| Year | Put in so far | Balance | In today’s dollars |
|---|---|---|---|
| 1 | $1,000 | $1,070 | $1,039 |
| 2 | $1,000 | $1,145 | $1,079 |
| 3 | $1,000 | $1,225 | $1,121 |
| 5 | $1,000 | $1,403 | $1,210 |
| 10 | $1,000 | $1,967 | $1,464 |
| 15 | $1,000 | $2,759 | $1,771 |
| 20 | $1,000 | $3,870 | $2,143 |
| 25 | $1,000 | $5,427 | $2,592 |
| 30 | $1,000 | $7,612 | $3,136 |
| 35 | $1,000 | $10,677 | $3,794 |
| 40 | $1,000 | $14,974 | $4,591 |
The range in 1,000 simulated markets
A 7% average does not arrive as 7% every year. In 1,000 simulated sequences of returns averaging 7% with 12% volatility, this is where $1,000 ended up: 1 in 10 markets finished below the first figure, half below the middle one, and 1 in 10 above the last.
| After | Weak (1 in 10 lower) | Middle | Strong (1 in 10 higher) |
|---|---|---|---|
| 20 years | $1,740 | $3,337 | $6,418 |
| 40 years | $4,555 | $11,692 | $29,534 |
The middle of the simulation sits below the steady 7% figure of $14,974 because ups and downs cost compounding: a 20% loss needs a 25% gain to get back.
What $14,974 would pay in retirement
At a 4% first-year withdrawal, $14,974 pays about $599 a year, $50 a month, before tax; in today’s dollars that is about $184 a year. How long a balance near it lasts at each withdrawal: how long $100,000 lasts. To stop saving early and let growth do the rest, see Coast FIRE numbers by age.
$1,000 for other terms
| Years | Balance | In today’s dollars |
|---|---|---|
| $1,000 for 5 years | $1,403 | $1,210 |
| $1,000 for 10 years | $1,967 | $1,464 |
| $1,000 for 15 years | $2,759 | $1,771 |
| $1,000 for 20 years | $3,870 | $2,143 |
| $1,000 for 25 years | $5,427 | $2,592 |
| $1,000 for 30 years | $7,612 | $3,136 |
| 40 years | $14,974 | $4,591 |
| $1,000 for 50 years | $29,457 | $6,719 |
Other amounts for 40 years
$5,000: $74,872, $10,000: $149,745, $20,000: $299,489, $25,000: $374,361, $50,000: $748,723, $100,000: $1,497,446, $200,000: $2,994,892, $250,000: $3,743,614, $500,000: $7,487,229, $1,000,000: $14,974,458, $2,000,000: $29,948,916.
How it is worked out
Monthly amounts are deposited at the end of each month and compounded monthly at the rate that equals the annual return; lump sums compound once a year. The headline return is 7% a year, the Trinity-style average the site’s retirement pages use; stock-heavy portfolios have averaged more over long periods and bond-heavy ones less, which is why every page shows 4% to 10%. Today’s dollars divide by 3% inflation a year. The range comes from 1,000 simulated sequences of yearly returns averaging 7% with 12% volatility, with each year’s deposits added through the year. Fees and taxes are not taken out. More on the methodology page.