See how much spare-change round-ups from everyday purchases could grow into over time, with or without a round-up multiplier.
Monthly round-ups invested (before multiplier)
$45/month
Projected balance after 10 years (with 2x)
$15,578
This calculator is informational only, not personalized financial advice. It assumes a constant transaction pattern and rate of return — real spending and markets vary. Round-up investing works best as an addition to, not a replacement for, a regular contribution plan.
It depends heavily on your spending volume and the multiplier you use. Someone with frequent small purchases and a 2x or 3x round-up multiplier can accumulate meaningfully more than someone using plain 1x round-ups — this estimator lets you model both.
Usually not by itself — round-ups are best treated as a supplement to, not a replacement for, a regular contribution plan like automatic transfers or 401(k) contributions.
Many charge a flat monthly fee rather than a percentage of assets, which can be a high effective fee rate on very small balances. Factor that into whether round-up investing is cost-effective for your spending pattern.
Yes — a 2x or 3x multiplier directly multiplies your invested amount per transaction, which compounds significantly over years. Try different multiplier settings in the estimator to see the long-run difference.
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