Acorn
Savings planner
1 USD = 2.96 ₪
Frankfurter · ECB
Give your kids a head start
At 8% a year, $500 a month from birth grows to about $313,000 by age 21 — matching that at age ten would take a $134,000 lump sum.
Your plan
Starting deposit
A lump sum to plant today
$0$200,000
The more you begin with, the more of the final balance comes from growth, not contributions.
/contribution
Your steady habit
$0$10,000
Expected return
Annual rate · the IRR
0%25%
Nominal averages since 1926.
Years invested
Your time horizon
1y30y
Child's age today
They'll be 21 when it matures
017
Inflation
Erodes future buying power
0%12%
Live U.S. CPI via U.S. BLS · CPI-U (2025-12). Toggle “Real” on the right to see today's money.
Annual contribution raise
Increase your contribution each year
0%10%
Fee drag
Annual fees & expense ratios
0%3%
In 18 years, when they're 21, this plan could be worth
$272,786
Contributed
$118,000
$10,000 + $500/mo
Growth
$154,786
compound interest
Multiple
2.31×
value ÷ contributed
Contributed · 43%Growth · 57%
57% of the final balance is growth your money earned on its own.
The growth plot
ContributionsTotal value
Range of outcomes
±3.7% annual return · one std. deviation
Lower(4.3%)
$182,600
Expected(8%)
$272,786
Higher(11.7%)
$414,842
The journey
Milestones along the way
What the plan could be worth as your child grows.
Age 8
in 5 years
$51,166
22%from growth
Age 13
in 10 years
$111,651
37%from growth
Age 18
in 15 years
$200,525
50%from growth
Age 21
in 18 years
$272,786
57%from growth