مرکب سود کیلکولیٹر

Why starting early beats starting big

Compound interest is often called the eighth wonder of the world. An investment of $10,000 at 8% becomes $46,610 after 20 years — without adding another penny. Add $500/month and it becomes $305,000.

The Rule of 72: divide 72 by your annual return rate to estimate how many years it takes to double your money. At 8%, your money doubles every 9 years. Starting 10 years earlier gives you one extra doubling — meaning twice as much at retirement.