Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Years to target
20.0
Months to target
240
Total you contribute
$385,000
Growth from returns
$621,701
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
How to use this
- 1Enter current invested ($).
- 2Enter monthly investment ($).
- 3Enter annual return (%).
- 4Enter target ($).
- 5Read your years to target on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Set a monthly investment and a return, and this finds the year you cross seven figures. Small increases to the monthly number move the date a lot.
Worked example
Using the values the calculator loads with:
Inputs
- Current invested: 25000 $
- Monthly investment: 1500 $
- Annual return: 8 %
- Target: 1000000 $
Results
- Years to target: 20
- Months to target: 240
- Total you contribute: $385,000
- Growth from returns: $621,701
What each field means
Inputs
- Current invested ($)
- The current invested used in the calculation, measured in $. Starts at 25000 $ so you have a working example on load.
- Monthly investment ($)
- The monthly investment used in the calculation, measured in $. Starts at 1500 $ so you have a working example on load.
- Annual return (%)
- The annual return used in the calculation, measured in %. Starts at 8 % so you have a working example on load. Accepted range: 0–25 %.
- Target ($)
- The target used in the calculation, measured in $. Starts at 1000000 $ so you have a working example on load.
Results
- Years to target
- Returned as a decimal number and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Months to target
- Returned as a decimal number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total you contribute
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Growth from returns
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the how long until you have $1 million work?
Set a monthly investment and a return, and this finds the year you cross seven figures. Small increases to the monthly number move the date a lot. The underlying maths is: Solve FV = target for n
What do I need to enter?
4 values: current invested, monthly investment, annual return, and target. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the years to target result mean?
It is returned as a decimal number and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). How Long to a Million Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/millionaire-timeline
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/millionaire-timeline" target="_blank" rel="noopener">How Long to a Million Calculator — RevenueLab</a> (2026).</p>
Source: [How Long to a Million Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/millionaire-timeline) (2026).