When growth takes the lead.
See when your portfolio’s modeled monthly growth eclipses what you put in.
Monthly growth vs. monthly contribution
21% is an editable hypothetical return assumption, not a forecast or guaranteed yield. Model starts at $0, deposits contributions at month-end, reinvests growth, and excludes taxes, fees, withdrawals, debt, and insurance premiums. Net worth here refers only to this modeled portfolio.
How the math works
Monthly rate = (1 + annual return)^(1/12) − 1. Each month: new portfolio = previous portfolio × (1 + monthly rate) + contribution. The green line shows each month-end portfolio × monthly rate: its modeled growth potential for the following month. The Eclipse Point is the first month this amount is strictly greater than the monthly contribution. Crossing is searched only within your selected timeline.