The Cost of Keeping Money in Cash

Adjust the inputs below to your situation and watch the opportunity gap appear in real time.

Your inputs

Starting amount

Lump sum currently in savings or cash

Monthly savings

/mo

Amount added each month going forward

Time horizon

yrs

Years until retirement or target date

Portfolio return

Historical S&P 500 average: ~10%. Adjust for risk tolerance.

Chart scenarios — click to show or hide

Diversified portfolio — your money invested across a mix of stocks, bonds, and alternative assets, growing at the expected annual return you set above.

High-yield savings — your money held in a high-yield savings or money market account, earning interest at the APY rate set in advanced options.

Inflation-adjusted value — the real purchasing power of every dollar you contribute, discounted by the inflation rate over time. Shows what your money is actually worth.

Projected value over time

Hover or tap chart to inspect values

Diversified portfolio

High-yield savings

Inflation-adjusted

Portfolio value

—

at year 20

Cash savings value

—

at 4.0% APY

Opportunity cost

—

left on the table

Your financial insight

Adjust the sliders above to generate your personalized insight.

The Cost of Keeping Money in Cash

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