Time does the heavy lifting. See how much.

Compound growth is the one financial force that works for everyone the same way — the earlier the dollar goes in, the more of the work it does. Put in your starting point and a monthly amount, and watch the curve. Then look at what a one-percent fee quietly takes.

They say the best time to plant a tree is 20 years ago, and the second best is today. Same math here.

Your plan

Starting amount

Monthly contribution

Expected annual return

Before fees. Long-run diversified portfolios have historically landed mid-to-high single digits — nobody can promise you a number.

Annual fees / expense ratio

Fund expenses plus advisor fees, combined. Index funds run near 0.05%; 1%+ is common with managed money.

Years

20 years

Your growth curve shows up here.

A starting amount, a monthly habit, and time — that’s the whole recipe. We’ll show you what each ingredient contributes.

Where you land

What fees quietly took

You put in

Growth did

Growth’s share

of the ending balance

The curve, year by year

Money you contributed Growth on top

Here’s how it lands

Your moves

Numbers without a next step are just trivia.

Estimate only — a Delta review is required before acting. Real returns arrive in lumps, not straight lines, and this calculator is not investment advice — we’re your tax and planning people, and investment selection belongs with you and your advisor. What we can tell you is which account the money should grow in — that’s a tax decision, and it’s often worth more than the fee conversation.

What this projection assumes — out in the open

Steady monthly compounding at your rate, minus fees. Markets don’t move in straight lines; this shows the average path, not the ride.
Contributions never change for the whole period. In real life, raising them with your income is the single biggest upgrade to this chart.
Taxes aren’t modeled — because they depend entirely on the account type. In a Roth this chart is what you keep; in a brokerage account, dividends and gains get taxed along the way. That difference is exactly what we help clients get right.
The fee comparison reruns the same math at your gross rate to show the drag. Fees compound too — against you.

The chart says grow. We say: grow it in the right account.

The same dollars land very differently depending on whether they grow in a Roth, a pre-tax account, or a plain brokerage — and business owners have options most people never hear about. Send this over and we’ll tell you where your next dollar should go.

Reach your Delta team at (260) 440-2747 or info@deltacpagroup.com and we’ll walk through it with you.

We are always happy to talk it through.

Thank you,
Amy Grego, CPA Delta CPA Group, LLC · (260) 440-2747