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.
How long until your first million
The first-million calculator shows how long it takes to accumulate one million, starting from what you already have, how much you save each month and the return rate. The result often surprises: with steady deposits and compound interest, the million arrives well before intuition suggests — and the chart shows the goal line being crossed.
The three levers that change everything
You can shorten the path three ways: saving more each month, seeking a higher return, or simply giving the money more time. Time is the most powerful and the cheapest — thanks to compound interest, starting early beats depositing a lot later. Test different deposits and see how many years each scenario saves.
A planning simulation
The rate is fixed in the simulation and ignores inflation and taxes, so a nominal million in 20 years buys less than today. Use it as a planning compass, not a guarantee. Runs in the browser. See also the compound interest and retirement calculators.
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.