USA

McDonald's savings plan: what would your monthly amount be worth?

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

97.1% of periods ended in profit. Best start: Mar 1989 (3.5× what was paid in). Worst start: Feb 1993 (0.6× what was paid in).

Q: Monthly plan or all at once?

Monthly plan: $6,344. All at the start: $11,609. 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 $6,344 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	$1,246$1,500 paid in	$3,172$3,000 paid in	$12,375$6,000 paid in
$50 a month	$2,492$3,000 paid in	$6,344$6,000 paid in	$24,751$12,000 paid in
$100 a month	$4,983$6,000 paid in	$12,689$12,000 paid in	$49,501$24,000 paid in

How often did a 10-year plan pay off?

We calculated every possible 10-year period since Jan 1985 (382 start months).

97.1%

of periods ended in profit

Best start

Mar 1989

3.5× what was paid in

Worst start

Feb 1993

0.6× what was paid in

Typical (median): 1.9× 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

$6,344

All at the start

$11,609

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

Calculate your own More about McDonald's

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