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FUTURE BY DAY

A little today.
More for tomorrow.

Start with what you have.
See what a few dollars a day could become over time.

About one snack a dayUsing $3 per snack · $1,095 saved in a year
USD
10 years
1 year40 years
Choose an approach

Cash aims for stability. Adding stocks creates more room to grow, along with larger ups and downs.

Diversified stock and bond funds

A mix of stock and bond funds can soften some market swings while leaving room to grow.

Explore cash and investing options on Webull Referral link — Future By Day may receive a reward if you open and fund an account.
In 10 years, you could have
$18,959
$7,009 in potential growth
$0$10k$21kTodayYear 5Year 10Today: $1,000Year 1: $2,220Year 2: $3,541Year 3: $4,973Year 4: $6,524Year 5: $8,204Year 6: $10,025Year 7: $11,998Year 8: $14,135Year 9: $16,450Year 10: $18,959
Money + potential growthJust what you put in
You save$11,950
Extra you could earn on top$7,009

Illustration at 8.3%/year, based on historical compound returns. Before taxes, fees, and inflation. Actual returns vary; you can lose money.

How long could it take to reach your goal?

Target balance
Estimated time6 yrs

Based on $1,000 today, $3 saved each day (about $91 a month), and the selected 8.3% historical return. It’s an illustration, not a promise.

A LITTLE KNOWLEDGE GOES A LONG WAY.

A few money tips worth reading.

Open a card to learn what it means, why it matters, and one thing you can do today.

THE WORK PERK

Meet your match.

Your job might add money when you save for retirement. Find out what’s on the table.

Check your 401(k) match

Ask HR what contribution earns the full employer match. Check the vesting schedule: some employer money becomes yours only after you stay a certain time.

Today: open your benefits portal and look for “employer match.”

IRS · 401(k) overview
THE FUTURE-YOU FUND

Get to know Roth.

Pay tax now. Qualified withdrawals later can be tax-free. A little head start for older you.

Understand a Roth IRA

A Roth IRA holds investments; opening one alone doesn’t invest your money. For 2026, the combined traditional + Roth IRA limit is $7,500 if under 50 ($8,600 if 50+), or eligible compensation if lower. Income and filing status can reduce eligibility.

Qualified earnings withdrawals generally require the five-tax-year rule plus age 59½ (or another qualifying condition). Early earnings withdrawals can trigger tax and penalties.

Today: check eligibility, then compare account fees and investment choices.

IRS · 2026 limitsEligibilityWithdrawal rules
THE LESSER-KNOWN ONE

Saving can save tax.

The Saver’s Credit can lower your tax bill when you contribute to an eligible retirement account.

Explore the Saver’s Credit

For 2026, eligible savers may receive a nonrefundable credit of up to $1,000 per person. The amount depends on income, filing status, eligible contributions, and tax owed.

You must be 18+, not claimed as a dependent, and not a full-time student under IRS rules. Many students won’t qualify. Recent retirement withdrawals can reduce eligible contributions.

Today: check the IRS income table and Form 8880 at tax time.

IRS · Saver’s Credit

Your future doesn’t happen all at once.
Start with today.

OPEN BOOKS. REAL SOURCES.

How the estimates work.

The data, conversions, and limits behind the projection.

1. Historical benchmarks

We use Aswath Damodaran’s NYU Stern annual U.S. returns for 1928–2025 (98 years). Cash uses 3-month Treasury bills as a long-run proxy for changing savings and cash-management rates; it is not a current bank quote. Balanced is a hypothetical annually rebalanced 60% S&P 500 / 40% 10-year Treasury bond mix. Stocks uses the S&P 500 with dividends reinvested.

NYU Stern · Historical returns dataset
CashCash savings3.4%
BalancedStock + bond funds8.3%
StocksBroad stock index10.0%

Each displayed percentage is a long-run historical geometric annual return, not a current APY or promised future return. We calculate it by multiplying (1 + each annual return), taking the 98th root, then subtracting 1. Published annual figures are rounded, so results may differ slightly from calculations using unrounded source data.

2. Contributions and compound growth

We convert your selected daily, weekly, or monthly amount into an even monthly deposit using 365 days, 52 weeks, or 12 months per year. Monthly rate = (1 + annual rate)1/12 − 1. Each month we grow the current balance, then add that deposit. Contributions stay constant; dividends and interest are reinvested. The goal estimate uses the same assumptions, searching up to 60 years.

These are nominal dollars: fees, taxes, inflation, and account limits are not deducted. Future buying power will generally be lower. Returns don’t arrive smoothly; the curve is an illustration.

3. Accounts are separate

Cash, Balanced, and Stocks describe ways money might be saved or invested. A brokerage account, Roth IRA, or 401(k) can hold different investments, while savings and cash-management products follow their own rates, terms, and coverage. Eligibility, contribution limits, plan rules, and withdrawal restrictions still apply. The calculator does not determine eligibility or include employer matches or tax credits.

IRS · Roth IRAsIRS · 2026 contribution limitsIRS · IRA eligibilityIRS · Withdrawal rulesIRS · 401(k) plansIRS · Saver’s CreditSEC · Investing basics

Reviewed September 9, 2026. Historical data is a bundled snapshot, not a live market feed. The Webull referral does not affect the calculator, assumptions, or displayed results. Revisit rates and tax rules over time.