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

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

90.8% of periods ended in profit. Best start: Jan 1989 (24.6× what was paid in). Worst start: Feb 1999 (0.6× what was paid in).

Q: Monthly plan or all at once?

Monthly plan: $17,797. All at the start: $52,400. 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 $17,797 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	$2,199$1,500 paid in	$8,899$3,000 paid in	$59,896$6,000 paid in
$50 a month	$4,397$3,000 paid in	$17,797$6,000 paid in	$119,792$12,000 paid in
$100 a month	$8,794$6,000 paid in	$35,595$12,000 paid in	$239,585$24,000 paid in

How often did a 10-year plan pay off?

We calculated every possible 10-year period since Mar 1986 (368 start months).

90.8%

of periods ended in profit

Best start

Jan 1989

24.6× what was paid in

Worst start

Feb 1999

0.6× what was paid in

Typical (median): 2.9× 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

$17,797

All at the start

$52,400

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.