Time Value of Money Visualizer

Compare investing a lump sum vs monthly contributions, and see how interest rate and time change the final amount.

Starting amount

Initial lump sum invested today.

Monthly contribution

Expected yearly return %

Years invested

Estimated yearly inflation % (optional)

We’ll show an “inflation‑adjusted” future value so you can think in today’s dollars.

Future value

Total contributed

Lump vs monthly

Growth snapshots Bars show value at years 0, 5, 10, 20

This assumes steady returns and contributions. Real markets move up and down and may earn more or less.