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Mastercard savings plan: what would your monthly amount be worth?

Q: How often did a 10-year plan pay off?

100.0% of periods ended in profit. Best start: Jan 2010 (5.3× what was paid in). Worst start: May 2016 (2× what was paid in).

Q: Monthly plan or all at once?

Monthly plan: $12,029. All at the start: $32,982. When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

With $50 a month since Nov 2016 you'd have $12,029 today, having paid in $6,000.

Nov 2016Oct 2026

Savings plan table

Monthly amount and time frame, each calculated up to today.

	5 years	10 years	20 years
$25 a month	$1,928$1,500 paid in	$6,014$3,000 paid in	$63,470$6,000 paid in
$50 a month	$3,856$3,000 paid in	$12,029$6,000 paid in	$126,940$12,000 paid in
$100 a month	$7,711$6,000 paid in	$24,057$12,000 paid in	$253,880$24,000 paid in

How often did a 10-year plan pay off?

We calculated every possible 10-year period since May 2006 (126 start months).

100.0%

of periods ended in profit

Best start

Jan 2010

5.3× what was paid in

Worst start

May 2016

2× what was paid in

Typical (median): 3.5× what was paid in

Monthly plan or all at once?

Same money over the last 10 years: $6,000 either spread monthly or invested at the start.

Monthly plan

$12,029

All at the start

$32,982

When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

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Values in USD, month-start prices, excluding dividends, costs and taxes. Past performance is no guarantee.