Scenario
$1,000 per month for 20 years at 7% (monthly)
Engineered for search intent around “$1,000 per month for 20 years at 7% (monthly)”. Includes inflation-adjusted outputs, CAGR ranges and ETF playbooks.
Projection
$520,927
Total contributions
$240,000
Market growth
$280,927
Inflation adjusted
$317,906
Blended CAGR
4.0%
-2% bear case
5.0%
$411,034
Base case
7.0%
$520,927
+2% bull case
9.0%
$667,887
| Year | Portfolio | Contribution | Growth | Real Value |
|---|---|---|---|---|
| Year 1 | $12,393 | $12,000 | $393 | $12,090 |
| Year 2 | $25,681 | $24,000 | $1,681 | $24,444 |
| Year 3 | $39,930 | $36,000 | $3,930 | $37,079 |
| Year 4 | $55,209 | $48,000 | $7,209 | $50,017 |
| Year 5 | $71,593 | $60,000 | $11,593 | $63,278 |
| Year 6 | $89,161 | $72,000 | $17,161 | $76,883 |
| Year 7 | $107,999 | $84,000 | $23,999 | $90,856 |
| Year 8 | $128,199 | $96,000 | $32,199 | $105,219 |
| Year 9 | $149,859 | $108,000 | $41,859 | $119,996 |
| Year 10 | $173,085 | $120,000 | $53,085 | $135,214 |
| Year 11 | $197,990 | $132,000 | $65,990 | $150,897 |
| Year 12 | $224,695 | $144,000 | $80,695 | $167,073 |
| Year 13 | $253,331 | $156,000 | $97,331 | $183,771 |
| Year 14 | $284,037 | $168,000 | $116,037 | $201,020 |
| Year 15 | $316,962 | $180,000 | $136,962 | $218,852 |
| Year 16 | $352,268 | $192,000 | $160,268 | $237,297 |
| Year 17 | $390,126 | $204,000 | $186,126 | $256,389 |
| Year 18 | $430,721 | $216,000 | $214,721 | $276,164 |
| Year 19 | $474,250 | $228,000 | $246,250 | $296,657 |
| Year 20 | $520,927 | $240,000 | $280,927 | $317,906 |
Inputs
$1,000 per month
Time horizon: 20 years
Rate assumption: 7.0%
Inflation: 2.5%
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$1,000 per month for 20 years at 7% (monthly)
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FAQ
What is the projected balance for $1,000 per month for 20 years at 7% (monthly)?
At 7.0% annualized, the balance is projected to reach $520,927 after 20 years. $280,927 of that figure is pure market growth.
FAQ
How much capital do I personally contribute?
You contribute $240,000 across the horizon ($1,000 per month plus $0 upfront).
FAQ
How does inflation affect the outcome?
Assuming 2.5% inflation, the purchasing power of the final balance equates to $317,906 in today’s money.