Investing $100 every month at a 7% average annual return grows to $52,093 in 20 years. You contribute $24,000 in total, and compound interest adds $28,093.

Key Numbers

• •Total after 20 years at 7%: $52,093
• •Total contributions: $24,000
• •Interest earned: $28,093
• •Starting with a $10,000 lump sum as well: $92,480