Calculate the difference between starting your investment today versus waiting 12 months. The lost interest in that first year often results in a significantly lower final balance due to missed compounding cycles. Inflation vs. Yield
The real rate of return including compounding. Download APY CHAT xlsx
Many accounts have "teaser rates" that drop after a certain balance; use the sheet to see if moving funds is worth the effort. If you'd like to dive deeper into a specific scenario: Initial investment amount (e.g., $5,000 or $50,000) Monthly contribution plan (e.g., $100/month) Target goal or timeframe (e.g., buying a house in 5 years) 000 or $50