# Saving \$100k – \$300k: Some Numbers & Charts

Here are some numbers and charts to consider for anyone on the road to saving \$100k – \$300k.

## \$0 to \$100k

If you start with a net worth of \$0 and save \$5,000 per year, investment returns have a huge impact on how long it will take you to save \$100k.

If you earn 1% annual returns, it will take just over 18 years to save \$100k. Instead, if you earn 10% returns, it will only take 11 years.

Conversely, if you save \$50,000 per year, investment returns hardly impact how long it will take to save \$100k.

If you earn 1% returns, it will take 1.99 years. If you earn 10% returns, it will take you 1.91 years. Not much of a difference.

Here’s a chart that shows how long it will take to go from \$0 to \$100k based on different yearly savings. Each circle represents different annual investment returns.

Some Observations

• Someone who saves \$20k per year and earns 1% returns will accumulate \$100k before someone who saves \$15k per year and earns 10% returns.
• To save \$100k in under 5 years, you need to save at least \$20k per year.
• To save \$100k in under 3 years, you need to save at least \$35k per year.

## \$0 to \$200k

Here’s the same chart, but for saving \$200k.

Some Observations

• Someone who saves \$20k and earns 3% returns will reach \$200k at the same time as someone who saves \$15k and earns 10% returns.
• If you save anything more than \$30k per year, the difference in time it takes to save \$200k is less than one year between 1% and 10% annual returns.

## \$0 to \$300k

Same chart, but for saving \$300k.

Some Observations

• Investment returns matter a lot if you only save \$5,000 per year. The difference between 1% and 10% returns is 27 years.
• If you save \$50,000 per year and earn 10% returns, it will take 4.93 years to accumulate \$300k. Instead, if you earn 1% returns it will take 5.86 years. That’s a difference of less than one year.