the patience index
What time gives back
— if you let it.
The compound math is simple. The 30 years of not selling is the trick.
/ live
30y · 7%compounded monthly
you contributed
$190,000
$10,000 + $500/mo × 360 months
you'd have
$691K
($691,150)
1.5× in real terms · $285K in today's dollars · doubles every 10.3y
"Inflation might catch you. Math says yes; history says it depends."
growth curve
nominal— future dollars as printedreal— in today's dollars (3% inflation)
year 0year 30
total gain
$501K
growth multiple
3.6×
inflation-adjusted
$284,745in today's dollars
monthly compounding · 3% / year inflation deflator for real-terms · the math assumes you didn't sell during 6 bear markets