Age 20 ($300/mo) vs Age 30 ($1000/mo): Race to $500K
The $1000/mo late starter wins. By 65: $1,144,415 vs $1,811,561. Total invested: $162,000 vs $420,000. The winner invested $420,000 total — compound interest made up $1,391,561 of their final balance.
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Related Race Scenarios
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 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.
Start at 18 vs 30: $300/mo Investment Race
Both invest $300/month at 7% returns, but one starts at 18 and the other at 30. The age-18 starter ends with $1,323,605 by age 65 — $780,137 more.
Start at 18 vs 30: $500/mo Investment Race
Both invest $500/month at 7% returns, but one starts at 18 and the other at 30. The age-18 starter ends with $2,206,008 by age 65 — $1,300,228 more.
Start at 18 vs 30: $750/mo Investment Race
Both invest $750/month at 7% returns, but one starts at 18 and the other at 30. The age-18 starter ends with $3,309,013 by age 65 — $1,950,342 more.
Start at 18 vs 30: $1000/mo Investment Race
Both invest $1000/month at 7% returns, but one starts at 18 and the other at 30. The age-18 starter ends with $4,412,017 by age 65 — $2,600,456 more.