!

Important: Fraudulent websites are impersonating autotradelab. Make sure you are on autotradelab.com.

Autotradelab Logo

Free calculator

What is your surplus cash actually doing?

Adjust the sliders to match your situation. The calculator shows three scenarios side by side so you can see the numbers for yourself — no account needed.

Your numbers

The amount you have available to invest at the start of the calculation.

Change this to your current investable cash.

$100K
$10K$2.00M
The extra money added every month on top of your starting capital.

Change this to your current monthly addition. Use 0 if you are not adding money.

$0/mo
$0/mo$50K/mo
The yearly return used for the current-market scenario before inflation and fees. A 10% setting means $100,000 becomes $110,000 after one year before monthly additions.

Assuming you invest in major indices like the S&P 500 or MSCI World. Change this to your current situation.

11%
0%15%
The yearly return used for the diversified comparison portfolio scenario. A 22% setting means $100,000 becomes $122,000 after one year before monthly additions.

This is what a portfolio looks like when diversified across assets and strategies. Change this to your comparison scenario.

18%
4%25%
How many years the calculator compounds the starting capital and monthly additions.
5 years
1 year20 years
01Cash sitting idle

$100,000

Nominal value — no return, including money added monthly

Includes starting capital plus money added monthly. Inflation-adjusted real value: $86,261. At 3% CPI, idle cash loses $16K in purchasing power over 5 years.

02At your current rate (11%)

$168,506

Using selected annual return over 5 yrs

Total deposited: $100K. Growth of $69K above what you put in.

03At comparison rate (18%)

$228,776

Illustrative — adjust the slider above

Difference vs. Scenario 01: +$129K. Difference vs. Scenario 02: +$60K.

Gap between Scenario 01 and Scenario 03 over 5 years

Based on $100K initial + $0/mo at 18% vs 0%

+$129K

Get this breakdown by email

Enter your email and we'll save the exact inputs and results with your request.

This calculator is for informational purposes only and does not constitute financial advice. All figures are illustrative. Compound interest calculations assume returns are constant and reinvested. Actual investment returns vary and past performance does not indicate future results. Inflation assumption: 3% annually (US CPI long-run average).