LIVE COMPOUND SKETCH
Deposits vs destiny ↓Scenario presets
Optional drip. Set to 0 for lump-only compounding.
Updates live. Deposits are not destiny. Planning sketch - not a bank APY disclosure or tax forecast.
Future value
$91,881.93
Growth $45,882 · deposits $46,000
DRIP VS LUMP · DEPOSITS VS DESTINY
WITH YOUR DRIP
$91,881.93
Deposits $46,000 · growth $45,882
LUMP ONLY ($0/MO)
$28,489.47
Deposits $10,000 · growth $18,489
Drip bonus
With-drip FV − lump-only FV
$63,392
Muted = deposits (50% of FV). Accent = growth (50%). Growth is about 100% of what you deposited - destiny is deposits plus compounding, not deposits alone.
FREQUENCY DELTA · SAME RATE, YEARS & DRIP
| Frequency | Future value | Vs annual |
|---|---|---|
| Annual | $89,811.27 | – |
| Monthly← yours | $91,881.93 | +$2,071 |
| Daily | $92,075.22 | +$2,264 |
Nominal rate 7% at your frequency ≈ 7.23% effective annual (EAR, contributions ignored). Frequency rarely beats rate, time, or drip size - but it is not zero on long horizons.
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