How Rich Would You Be?

Albert Einstein supposedly called compound interest the "eighth wonder of the world." The concept is simple: you earn interest on your original money, and then you earn interest on that interest. However, the true multiplier of compound interest isn't the amount of money you save—it's Time.

Because time is the exponent in the compound interest formula, every single year you delay investing drastically reduces your final sum. The "loss" you see in the calculator isn't money you actively spent; it's the invisible opportunity cost of waiting.