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The Reinvest Calculator

Reinvesting means putting the money you earn back to work instead of spending it, so next year's growth is calculated on a bigger number than this year's. This tool shows what happens to your money over time if you consistently reinvest what it earns, using your own contribution amount, timeline, and expected return. It's useful because the gap between spending your gains and reinvesting them compounds dramatically over years — small, consistent reinvestment is how modest amounts become large ones.

₦10,000
1,000200,000
15 years
140
12%
0%30%

Reinvested returns compound. A diversified long-term return often sits near 10–12%; adjust to your own view.

After 15 years, you'd have
₦0
You put in ₦0 — the rest is growth working for you.
Growth (reinvested) What you put in
You contributed
₦0
Growth earned
₦0
The lesson behind the number

The magic isn't the amount you start with — it's never taking it out. Every fortune in our first newsletter began exactly here: small money, put back to work, for a long time.

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