Age 18 ($200/mo) vs Age 28 ($800/mo): Race to $1M
The $800/mo late starter wins. By 65: $882,403 vs $1,687,019. Total invested: $112,800 vs $355,200. The winner invested $355,200 total — compound interest made up $1,331,819 of their final balance.
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Related Race Scenarios
Start at 18 vs 28: $200/mo Investment Race
Both invest $200/month at 7% returns, but one starts at 18 and the other at 28. The age-18 starter ends with $882,403 by age 65 — $460,648 more.
Start at 18 vs 28: $300/mo Investment Race
Both invest $300/month at 7% returns, but one starts at 18 and the other at 28. The age-18 starter ends with $1,323,605 by age 65 — $690,973 more.
Start at 18 vs 28: $500/mo Investment Race
Both invest $500/month at 7% returns, but one starts at 18 and the other at 28. The age-18 starter ends with $2,206,008 by age 65 — $1,151,621 more.
Start at 18 vs 28: $750/mo Investment Race
Both invest $750/month at 7% returns, but one starts at 18 and the other at 28. The age-18 starter ends with $3,309,013 by age 65 — $1,727,432 more.
Start at 18 vs 28: $1000/mo Investment Race
Both invest $1000/month at 7% returns, but one starts at 18 and the other at 28. The age-18 starter ends with $4,412,017 by age 65 — $2,303,242 more.
Start at 18 vs 30: $200/mo Investment Race
Both invest $200/month at 7% returns, but one starts at 18 and the other at 30. The age-18 starter ends with $882,403 by age 65 — $520,091 more.