Retirement
What do I lose by starting late?
Compare retirement balances if you start saving at 25, 35, or 45 with the same monthly contribution.
Try the calculator
See the gap created by waiting.
What this means
Waiting to save reduces compounding time. The difference is often larger than people expect.
What to do next
If you started late, increase your monthly contribution or plan for a later retirement age.
FAQ
Why does starting early matter so much?
Time gives compound growth more runway. Starting later means fewer years to compound.
Is this guaranteed?
No. It is a projection based on a steady return rate.