First million calculator
Find out how long it takes to reach R$ 1 million — or any goal you set.
Set a goal (the classic first million or any amount), what you already have, how much you contribute monthly and the expected return. The calculator simulates month by month using compound interest and shows in how many years and months you reach the goal, with a chart revealing the moment interest starts working harder than your deposits — the snowball effect.
Frequently asked questions
Is the return monthly or yearly?
You choose. When you select "per year", we convert it to the equivalent monthly rate with the compound formula (1+i)^(1/12)−1, so the month-by-month simulation is correct.
Should I use a real or nominal return?
For today’s purchasing power, use the real return (net of inflation). For the face value in the future, use the nominal one. R$ 1 million in 30 years is worth far less than R$ 1 million today.
Does it account for income tax?
No — the result is gross. Fixed-income investments usually have 15%–22.5% tax on earnings; for a net view, reduce the rate proportionally.