Calculator

Calculate My Growth

In 18 years, your child's account could be worth

Shaded area: Compound growth

How much will you contribute to start?

Enter any amount you plan to put in when you open the account. This could be $100, $500, $1,000 — whatever works for your family. Leave at $0 if you plan to start with regular contributions only.

How much would you like to add?

Even $25 or $50 a month makes a meaningful difference over 18 years. Enter whatever feels realistic for your family right now.

How often do you plan on contributing?

How many years?

18 years — until your child turns 18

Expected annual return

The S&P 500 has returned an average of approximately 10% per year historically. This is not guaranteed — it is a long-term historical average. The inflation-adjusted figure is closer to 7%.

By law, funds must track a qualified U.S. stock index, use no leverage, and charge under 0.1% in annual fees. You cannot choose individual stocks or international funds.