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Starting point
Assumed return

Annual nominal rate. The slider goes to 30% so you can see how sensitive the number is — not because those rates are typical. A calm classroom range is still about 7–10%. Figures toward the top are illustrative; long stretches of a broad index at 20–30% a year are historically uncommon.

Time
Regular contributions

Deposits add. Withdrawals take out, and stop if the illustrated balance runs out. Frequency is how often that cash moves; timing is whether it lands at the beginning or the end of each of those periods.

Raise the deposit by this percent after each full year. Withdrawals stay the same. 0 leaves the deposit unchanged.

Illustrated future value

Stays on your device. We do not see it.

How to hold this

Move the return slider and watch the number change. That is the whole lesson: time and repetition matter more than a dramatic month. The slider can go well past a typical classroom 7–10% so you can feel how sensitive the ending number is. Higher rates are a sketch, not a hint. A broad stock-market index (the S&P 500 is the example people usually name) appears here only as that classroom picture — with all the usual caveats. We will not tell you to buy it, or anything else.

This is First Order Gnosis’s own educational toy, inspired by the usual features of a compound-interest classroom calculator — written here, not copied from another site.

If you want a quieter next room, return to Life / money or sit. The handheld week is I want to simplify my money so I can practice. The Raja Yoga path is still the practice shelf.

When you are ready

Close the toy when the number has taught what it can.

Life tools Practices

Budget / cash-flow · Debt payoff · Emergency fund target · Time reclaim