Start with what you have. See what a few dollars a day could become over time.
$/ day
About one snack a dayUsing $3 per snack · prices vary · $1,095 saved in a year
$USD
10 years
1 year40 years
60% stocks · 40% bonds
A mix of stocks and bonds. More room to grow, with real ups and downs.
In 10 years, you could have
$18,959
$7,009 in potential growth
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.”
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.
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.