Why This Matters

Compound interest is when you earn returns not just on your original investment, but also on all the previous returns. It's like a snowball rolling downhill - it starts small but grows exponentially over time.

What We'll Calculate

• Your projected portfolio value at retirement
• Total compound growth over time
• Monthly contribution impact on final balance
• How different return rates affect your wealth

Pro Tips

• Time is more powerful than the amount you invest
• Starting 10 years earlier beats doubling your contribution later
• Consistency matters more than perfection
• Reinvest all dividends to maximize compound growth

Why This Matters

The timing of when you start investing is often more important than how much you invest. A 25-year-old investing $200/month will likely have more at retirement than a 35-year-old investing $400/month.

What We'll Analyze

• Different starting ages and their outcomes
• Required monthly investment to catch up if you wait
• Break-even analysis for delayed start dates
• Retirement readiness based on current age

Pro Tips

• Every year you wait costs exponentially more
• Starting with $50/month beats waiting for $500/month
• Your 20s are the most valuable investing decade
• Don't wait for the "perfect" amount to start

Why This Matters

Every year you delay investing has a real dollar cost that compounds over time. We'll show you exactly how much waiting will cost you in retirement wealth.

What We'll Calculate

• Exact dollar cost of waiting 5, 10, 15+ years
• Opportunity cost analysis of delayed investing
• Required "catch-up" contributions if you wait
• Side-by-side comparison of different start dates

Pro Tips

• Waiting 10 years can cost you 6-figure sums
• The cost accelerates exponentially with time
• Starting imperfectly today beats waiting for perfection
• Use automation to overcome procrastination

Invest Now vs Later Calculator

Version: 4.3.3

Target Audience: 22-29 year old professionals beginning their wealth-building journey

Key Benefits:

• Visualize the true cost of delaying investments
• Compare multiple investment start dates side-by-side
• Get personalized wealth-building milestones
• Receive actionable next steps for your situation
• Access comprehensive print reports for planning

© 2025 Future Millionaire Playbook by Raymond Sura. All rights reserved.