Cost of Waiting

Waiting to save may cost you more than you think. This example illustrates the power of starting early.
Enter the contribution amount and rate of return to use for the example.
Monthly contribution amount
Annual rate of return

Investor A
Saves $250 per month for 10 years
Investor B
Waits 10 years then saves $250 per month for 20 years

Account value at the end of 30 years

Investor:

Initial investment

$30,000

$60,000

Growth on investment

$188,768

$88,268

Total account value

$218,768

$148,268

These calculators are provided only as general self-help tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. These tools are not offers, representations or warranties by any member companies of The Principal Financial Group^®, and do not describe any specific products or services they offer. Before you use these tools, please read this important information.