First Order Gnosis

Tools · Life

Compound growth toy

A classroom sketch of what time and a regular contribution can do to a number. Not a plan. Not a ticker. Past performance is not a result you are owed.

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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

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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