Investing $200 every month at a 7% average annual return grows to $104,185 in 20 years. You contribute $48,000 in total, and compound interest adds $56,185.

Key Numbers

• •Total after 20 years at 7%: $104,185
• •Total contributions: $48,000
• •Interest earned: $56,185
• •Starting with a $10,000 lump sum as well: $144,573