Everyday ResiliencySavings Growth Calculator: What Starting Now Is Worth
Small, steady saving plus years of growth. See where you could end up if you start today.
| Fund | 10-yr avg | Mix |
|---|---|---|
| SCHGLarge U.S. growth companies | 18.68% | |
| SCHVLarge U.S. value companies | 10.99% | |
| SCHDU.S. dividend-paying companies | 12.44% | |
| SCHZU.S. investment-grade bonds | 1.08% | |
| SCHFLarge companies outside the U.S. | 9.93% | |
| Blended | – | 100% |
These are funds I own myself. They're here as examples of how a mix works, not as picks for you.
10-year average yearly returns (NAV, with dividends reinvested) from each fund's own page, as of October 26, 2026. Those 10 years were unusually strong for U.S. growth stocks; the next 10 may not be. Tap a ticker for the fund's details.
How your savings could grow
Blue is what you put in. Amber is growth: what your money earns, and what those earnings earn in turn. Tap or drag across the chart for any age.
Starting today beats starting later
Same savings, same growth, same retirement age. The only difference is when you start.
What this doesn't show
- Bad years happen. The chart grows smoothly, but real markets drop 20% or more every so often. The averages here include those drops; living through them is the hard part.
- Taxes, fees and account rules change the real numbers. Retirement accounts and employer matches can help a lot.
- Prices rise. Turn on "today's dollars" to see what the total might feel like in today's money.
- New to investing? Afraid to Start Investing? explains stocks, mutual funds and index funds, and how to take the first step with a discount broker.
- Saving more as your pay grows isn't included, so this is likely on the cautious side if you do.
I'm not a financial advisor, and nothing here is financial or investment advice. Everyday Resiliency isn't sponsored by or affiliated with Schwab or any fund company, and fund names belong to their owners. See the disclaimer.