Calculators / Munger $100k Threshold ("The Slog" Timeline)
Munger $100k Threshold ("The Slog" Timeline)
"When does my portfolio start out-earning me?"
The journey from $0 to $100,000 takes roughly 7.84 years, but the subsequent interval from $100,000 to $200,000 takes only 5.1 years. Once you cross the elbow, the physics of compounding finally changes in your favor.
— Debugging Your Personal Finance, Chapter 15
| Milestone | Years to reach |
|---|---|
| $100k | — |
| $200k | — |
| $300k | — |
| $500k | — |
| $1M | — |
The Flywheel year (when one year of market returns exceeds one year of your contributions): —
Charlie Munger's observation: "The first $100,000 is a bitch, but you gotta do it." After roughly that point compounding outpaces contributions and the math accelerates. Set your inputs to your real numbers to see where that inflection point lands for you.
From Chapter 15 of Debugging Your Personal Finance. Simple calculator · Inputs stay in your browser · Not financial advice.
A simplified calculator for education, not financial advice. See the disclaimer.