First million calculator
Enter what you already have, what you invest each month, the yearly yield and the goal to see how long it takes.
Free · no sign-up The values you type stay in your browser: nothing is sent or stored.
Time to reach it
267 months
- Total invested
- R$277,000.00
- Accumulated earnings
- R$726,410.54
- Final amount
- R$1,003,410.54
Your result in words
Starting with R$10,000.00 and investing R$1,000.00 a month at 10% a year, you reach R$1,000,000.00 in 267 months. You will have invested R$277,000.00 and earnings will add up to R$726,410.54.
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
The power of compound interest
The sooner you start and the more you invest, the harder interest works for you. Near the goal, much of the balance comes from earnings, not from what you put in.
Limits
The rate is constant, without tax or inflation: in real life yields vary and the goal loses purchasing power over time. More than 100 years is treated as "never".
Formula
How to calculate
S with subscript k is the balance at the end of month k, i the equivalent monthly rate, A the monthly contribution and M the goal. The calculator repeats the calculation month by month until the balance reaches the goal.
Example
With round numbers, so you can check the math:
Starting with R$10,000.00 and investing R$1,000.00 a month at 10% a year, you reach R$1,000,000.00 in 267 months. You will have invested R$277,000.00 and earnings will add up to R$726,410.54.
Frequently asked questions
What yield should I use?
A conservative one, preferably above inflation. Test more than one scenario.
Is inflation included?
No. The goal is nominal; adjust it for expected inflation if you want the same purchasing power.
Is it better to invest more or earn more?
At the start, contributions weigh more; with a large balance, the rate does. The calculator helps test both.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
