Time to $1,000,000
How long it takes to climb through each net-worth bracket when you invest a fixed amount every year and let it compound. The first bracket is always the slowest — every one after it is faster.
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Years to reach a value
V from a starting balance P, adding A each year at rate r:
n = ln((V + A/r) / (P + A/r)) / ln(1 + r) (for r > 0; if r = 0, n = (V − P)/A).
Each bracket's time is the difference between the cumulative years at its two edges. Contributions are treated as one lump at the start of each year; real-world timing and returns vary.