First Million Calculator
Find out at what age you'll reach $1,000,000 — or how much you need to invest monthly to get there by a target date.
How long to reach $1M?
You'll reach $1,000,000 at age
52
22 years and 3 months from now
Total invested
$277,000
Returns earned
$726,411
Balance growth toward $1M
Dashed line = $1,000,000 goal
How to reach your first million
The path to $1,000,000 depends on three variables: how much you start with, how much you contribute each month, and your average annual return. The S&P 500 has historically returned around 10% per year before inflation. Starting earlier — even with a small amount — makes an enormous difference because of compounding.
Investing $1,000/month from age 25 at 10% gets you to $1M by age 49 — just 24 years. Start at 35 and the same parameters push the milestone to age 56. The 10-year delay costs you 7 extra years of working — that's the real price of waiting.
For educational purposes only. Not financial advice. Returns are not guaranteed.