How much should I invest per month to reach $100,000?

Pick a timeline (5, 10, 15 years), choose a return assumption, then estimate the monthly amount needed.

Pick your timeline first

The monthly amount needed depends heavily on time. Try 5 vs 10 vs 15 years and compare.

It’s tempting to use a high return rate to make the monthly number look easier. Use a conservative scenario first so you have a realistic plan.

Why does the monthly amount change so much with time?

Extra time adds more contributions and more compounding. Even a few extra years can reduce the required monthly amount.

Should I use the Start Late calculator or Money Growth?

Start Late is best when you have a target amount. Money Growth is best when you have a fixed contribution and want to see the result.

What return rate should I choose?

Try 5% (conservative), 7% (mid), 10% (optimistic) and treat the result as a range.

What about fees and taxes?

Not included. Consider reducing the return assumption to be conservative.

Can I do this for $50k or $200k instead?

Yes — just change the target and re-run.