Tools & Resources
On Second Thought…
The purchases you stopped to think about — what you're still weighing, and what walking away has added up to. Logged and settled in the mobile app.
On Second Thought… is a feature of the Manage Your Means mobile app. When you're about to buy something you weren't planning on, you pause and log it — then decide in your own time whether it was worth it. Walking away, or finding it cheaper, is a first-class outcome, not a failure.
Sign in, or switch on Demo in the header, to see what's still being weighed and what past decisions have added up to.
Rent vs. Buy Home
Compare the long-term cost of renting against buying, month by month, including equity built and the break-even point.
RENTING
| Monthly Rent: | |
| Annual Increase: |
% |
| Renter Insurance: | |
| Monthly Utilities: |
BUYING – FINANCING
| Purchase Price: | |
| Down Payment: | |
| Closing Costs: | |
| APR Interest Rate: |
% |
| Monthly Mortgage*: |
BUYING – MONTHLY COSTS
| Home Insurance: | |
| Monthly Utilities: | |
| HOA Fees: | |
| Monthly Maintenance: | |
| Annual Property Tax: |
% |
| Annual Appreciation: |
% |
SETTINGS & PRESETS
Years to Compare:
* Monthly Mortgage is principal & interest only. Property tax, insurance, HOA, maintenance, and utilities are calculated separately. Buying cumulative totals include down payment and closing costs paid at purchase. Net Cost = Total Paid − Equity Built.
RESULTS AFTER 10 YEARS
Renting
Total Paid:
$273,420
Asset Value Built:
$0
Net Cost:
$273,420
Buying
Total Paid (incl. down pmt & closing):
$432,327
Home Value:
$469,214
Equity Built:
$253,094
Net Cost (paid − equity):
$179,232
Comparison
Break-Even Point:
Month 22 – 7/1/2028 (Year 2)
Buying saves you:
$94,187
Monthly Rent vs. Buy Schedule
| Mo. | Date | RENTING | BUYING | Buying Advantage | |||||
|---|---|---|---|---|---|---|---|---|---|
| Monthly Cost | Cumulative Paid | Monthly Cost | Cumulative Paid | Home Value | Equity | Net Cost | |||
| 1 | 10/1/2026 | $2,015 | $2,015 | $2,896 | $80,896 | $350,000 | $70,379 | $10,517 | -$8,502 |
| 2 | 11/1/2026 | $2,015 | $4,030 | $2,897 | $83,793 | $350,863 | $71,624 | $12,169 | -$8,139 |
| 3 | 12/1/2026 | $2,015 | $6,045 | $2,898 | $86,691 | $351,729 | $72,873 | $13,818 | -$7,773 |
| 4 | 1/1/2027 | $2,015 | $8,060 | $2,899 | $89,589 | $352,596 | $74,126 | $15,464 | -$7,404 |
| 5 | 2/1/2027 | $2,015 | $10,075 | $2,899 | $92,489 | $353,466 | $75,383 | $17,106 | -$7,031 |
| 6 | 3/1/2027 | $2,015 | $12,090 | $2,900 | $95,389 | $354,337 | $76,644 | $18,745 | -$6,655 |
| 7 | 4/1/2027 | $2,015 | $14,105 | $2,901 | $98,290 | $355,211 | $77,910 | $20,380 | -$6,275 |
| 8 | 5/1/2027 | $2,015 | $16,120 | $2,902 | $101,192 | $356,087 | $79,180 | $22,012 | -$5,892 |
| 9 | 6/1/2027 | $2,015 | $18,135 | $2,903 | $104,095 | $356,965 | $80,454 | $23,641 | -$5,506 |
| 10 | 7/1/2027 | $2,015 | $20,150 | $2,904 | $106,999 | $357,846 | $81,733 | $25,266 | -$5,116 |
| 11 | 8/1/2027 | $2,015 | $22,165 | $2,905 | $109,904 | $358,728 | $83,016 | $26,888 | -$4,723 |
| 12 | 9/1/2027 | $2,015 | $24,180 | $2,906 | $112,809 | $359,613 | $84,303 | $28,506 | -$4,326 |
| 13 | 10/1/2027 | $2,069 | $26,249 | $2,907 | $115,716 | $360,500 | $85,595 | $30,121 | -$3,872 |
| 14 | 11/1/2027 | $2,069 | $28,318 | $2,907 | $118,623 | $361,389 | $86,891 | $31,732 | -$3,414 |
| 15 | 12/1/2027 | $2,069 | $30,387 | $2,908 | $121,532 | $362,280 | $88,191 | $33,340 | -$2,953 |
| 16 | 1/1/2028 | $2,069 | $32,456 | $2,909 | $124,441 | $363,174 | $89,496 | $34,945 | -$2,489 |
| 17 | 2/1/2028 | $2,069 | $34,525 | $2,910 | $127,351 | $364,070 | $90,805 | $36,545 | -$2,020 |
| 18 | 3/1/2028 | $2,069 | $36,594 | $2,911 | $130,262 | $364,967 | $92,119 | $38,143 | -$1,549 |
| 19 | 4/1/2028 | $2,069 | $38,663 | $2,912 | $133,174 | $365,868 | $93,437 | $39,736 | -$1,073 |
| 20 | 5/1/2028 | $2,069 | $40,732 | $2,913 | $136,086 | $366,770 | $94,760 | $41,327 | -$595 |
| 21 | 6/1/2028 | $2,069 | $42,801 | $2,914 | $139,000 | $367,674 | $96,087 | $42,913 | -$112 |
| 22 | 7/1/2028 | $2,069 | $44,870 | $2,915 | $141,915 | $368,581 | $97,419 | $44,496 | +$374 |
| 23 | 8/1/2028 | $2,069 | $46,939 | $2,915 | $144,830 | $369,490 | $98,755 | $46,075 | +$864 |
| 24 | 9/1/2028 | $2,069 | $49,008 | $2,916 | $147,747 | $370,401 | $100,096 | $47,651 | +$1,357 |
| 25 | 10/1/2028 | $2,125 | $51,133 | $2,917 | $150,664 | $371,315 | $101,441 | $49,223 | +$1,910 |
| 26 | 11/1/2028 | $2,125 | $53,257 | $2,918 | $153,582 | $372,231 | $102,791 | $50,791 | +$2,466 |
| 27 | 12/1/2028 | $2,125 | $55,382 | $2,919 | $156,501 | $373,149 | $104,146 | $52,356 | +$3,026 |
| 28 | 1/1/2029 | $2,125 | $57,506 | $2,920 | $159,421 | $374,069 | $105,505 | $53,917 | +$3,590 |
| 29 | 2/1/2029 | $2,125 | $59,631 | $2,921 | $162,342 | $374,992 | $106,869 | $55,474 | +$4,157 |
| 30 | 3/1/2029 | $2,125 | $61,756 | $2,922 | $165,264 | $375,916 | $108,237 | $57,027 | +$4,729 |
| 31 | 4/1/2029 | $2,125 | $63,880 | $2,923 | $168,187 | $376,844 | $109,610 | $58,577 | +$5,304 |
| 32 | 5/1/2029 | $2,125 | $66,005 | $2,924 | $171,111 | $377,773 | $110,988 | $60,123 | +$5,882 |
| 33 | 6/1/2029 | $2,125 | $68,130 | $2,925 | $174,036 | $378,705 | $112,371 | $61,665 | +$6,465 |
| 34 | 7/1/2029 | $2,125 | $70,254 | $2,926 | $176,961 | $379,639 | $113,758 | $63,203 | +$7,051 |
| 35 | 8/1/2029 | $2,125 | $72,379 | $2,927 | $179,888 | $380,575 | $115,150 | $64,738 | +$7,641 |
| 36 | 9/1/2029 | $2,125 | $74,503 | $2,928 | $182,815 | $381,514 | $116,547 | $66,268 | +$8,235 |
| 37 | 10/1/2029 | $2,182 | $76,685 | $2,928 | $185,744 | $382,454 | $117,949 | $67,795 | +$8,890 |
| 38 | 11/1/2029 | $2,182 | $78,867 | $2,929 | $188,673 | $383,398 | $119,355 | $69,318 | +$9,549 |
| 39 | 12/1/2029 | $2,182 | $81,049 | $2,930 | $191,604 | $384,343 | $120,767 | $70,837 | +$10,212 |
| 40 | 1/1/2030 | $2,182 | $83,231 | $2,931 | $194,535 | $385,291 | $122,183 | $72,352 | +$10,879 |
| 41 | 2/1/2030 | $2,182 | $85,413 | $2,932 | $197,467 | $386,241 | $123,604 | $73,863 | +$11,550 |
| 42 | 3/1/2030 | $2,182 | $87,595 | $2,933 | $200,400 | $387,194 | $125,030 | $75,370 | +$12,225 |
| 43 | 4/1/2030 | $2,182 | $89,777 | $2,934 | $203,334 | $388,149 | $126,461 | $76,874 | +$12,903 |
| 44 | 5/1/2030 | $2,182 | $91,959 | $2,935 | $206,270 | $389,106 | $127,897 | $78,373 | +$13,586 |
| 45 | 6/1/2030 | $2,182 | $94,141 | $2,936 | $209,206 | $390,066 | $129,337 | $79,868 | +$14,272 |
| 46 | 7/1/2030 | $2,182 | $96,323 | $2,937 | $212,143 | $391,028 | $130,783 | $81,360 | +$14,963 |
| 47 | 8/1/2030 | $2,182 | $98,504 | $2,938 | $215,081 | $391,992 | $132,234 | $82,847 | +$15,658 |
| 48 | 9/1/2030 | $2,182 | $100,686 | $2,939 | $218,020 | $392,959 | $133,689 | $84,330 | +$16,356 |
| 49 | 10/1/2030 | $2,241 | $102,927 | $2,940 | $220,959 | $393,928 | $135,150 | $85,809 | +$17,118 |
| 50 | 11/1/2030 | $2,241 | $105,168 | $2,941 | $223,900 | $394,900 | $136,616 | $87,284 | +$17,884 |
| 51 | 12/1/2030 | $2,241 | $107,409 | $2,942 | $226,842 | $395,874 | $138,087 | $88,755 | +$18,654 |
| 52 | 1/1/2031 | $2,241 | $109,650 | $2,943 | $229,785 | $396,850 | $139,563 | $90,222 | +$19,428 |
| 53 | 2/1/2031 | $2,241 | $111,891 | $2,944 | $232,729 | $397,829 | $141,044 | $91,685 | +$20,206 |
| 54 | 3/1/2031 | $2,241 | $114,132 | $2,945 | $235,674 | $398,810 | $142,530 | $93,143 | +$20,988 |
| 55 | 4/1/2031 | $2,241 | $116,373 | $2,946 | $238,620 | $399,793 | $144,022 | $94,598 | +$21,775 |
| 56 | 5/1/2031 | $2,241 | $118,614 | $2,947 | $241,566 | $400,779 | $145,518 | $96,048 | +$22,566 |
| 57 | 6/1/2031 | $2,241 | $120,855 | $2,948 | $244,514 | $401,768 | $147,020 | $97,494 | +$23,361 |
| 58 | 7/1/2031 | $2,241 | $123,096 | $2,949 | $247,463 | $402,759 | $148,527 | $98,936 | +$24,160 |
| 59 | 8/1/2031 | $2,241 | $125,336 | $2,950 | $250,413 | $403,752 | $150,039 | $100,373 | +$24,963 |
| 60 | 9/1/2031 | $2,241 | $127,577 | $2,951 | $253,363 | $404,748 | $151,557 | $101,807 | +$25,771 |
| 61 | 10/1/2031 | $2,302 | $129,879 | $2,952 | $256,315 | $405,746 | $153,079 | $103,236 | +$26,643 |
| 62 | 11/1/2031 | $2,302 | $132,181 | $2,953 | $259,268 | $406,747 | $154,608 | $104,660 | +$27,520 |
| 63 | 12/1/2031 | $2,302 | $134,482 | $2,954 | $262,222 | $407,750 | $156,141 | $106,081 | +$28,402 |
| 64 | 1/1/2032 | $2,302 | $136,784 | $2,955 | $265,176 | $408,755 | $157,680 | $107,497 | +$29,287 |
| 65 | 2/1/2032 | $2,302 | $139,086 | $2,956 | $268,132 | $409,763 | $159,224 | $108,908 | +$30,177 |
| 66 | 3/1/2032 | $2,302 | $141,387 | $2,957 | $271,089 | $410,774 | $160,773 | $110,316 | +$31,072 |
| 67 | 4/1/2032 | $2,302 | $143,689 | $2,958 | $274,047 | $411,787 | $162,328 | $111,718 | +$31,971 |
| 68 | 5/1/2032 | $2,302 | $145,991 | $2,959 | $277,005 | $412,803 | $163,889 | $113,117 | +$32,874 |
| 69 | 6/1/2032 | $2,302 | $148,293 | $2,960 | $279,965 | $413,821 | $165,454 | $114,511 | +$33,782 |
| 70 | 7/1/2032 | $2,302 | $150,594 | $2,961 | $282,926 | $414,841 | $167,026 | $115,901 | +$34,694 |
| 71 | 8/1/2032 | $2,302 | $152,896 | $2,962 | $285,888 | $415,865 | $168,602 | $117,286 | +$35,610 |
| 72 | 9/1/2032 | $2,302 | $155,198 | $2,963 | $288,851 | $416,890 | $170,185 | $118,666 | +$36,531 |
| 73 | 10/1/2032 | $2,364 | $157,562 | $2,964 | $291,815 | $417,918 | $171,773 | $120,042 | +$37,520 |
| 74 | 11/1/2032 | $2,364 | $159,926 | $2,965 | $294,780 | $418,949 | $173,366 | $121,414 | +$38,512 |
| 75 | 12/1/2032 | $2,364 | $162,291 | $2,966 | $297,746 | $419,982 | $174,965 | $122,781 | +$39,510 |
| 76 | 1/1/2033 | $2,364 | $164,655 | $2,967 | $300,713 | $421,018 | $176,570 | $124,143 | +$40,512 |
| 77 | 2/1/2033 | $2,364 | $167,019 | $2,968 | $303,681 | $422,056 | $178,180 | $125,501 | +$41,518 |
| 78 | 3/1/2033 | $2,364 | $169,383 | $2,969 | $306,650 | $423,097 | $179,796 | $126,854 | +$42,529 |
| 79 | 4/1/2033 | $2,364 | $171,748 | $2,970 | $309,620 | $424,141 | $181,417 | $128,203 | +$43,545 |
| 80 | 5/1/2033 | $2,364 | $174,112 | $2,971 | $312,591 | $425,187 | $183,045 | $129,547 | +$44,565 |
| 81 | 6/1/2033 | $2,364 | $176,476 | $2,972 | $315,563 | $426,235 | $184,678 | $130,886 | +$45,590 |
| 82 | 7/1/2033 | $2,364 | $178,841 | $2,973 | $318,537 | $427,287 | $186,316 | $132,220 | +$46,620 |
| 83 | 8/1/2033 | $2,364 | $181,205 | $2,974 | $321,511 | $428,340 | $187,961 | $133,550 | +$47,655 |
| 84 | 9/1/2033 | $2,364 | $183,569 | $2,975 | $324,486 | $429,397 | $189,611 | $134,875 | +$48,694 |
| 85 | 10/1/2033 | $2,429 | $185,998 | $2,976 | $327,463 | $430,456 | $191,267 | $136,196 | +$49,802 |
| 86 | 11/1/2033 | $2,429 | $188,427 | $2,978 | $330,440 | $431,517 | $192,929 | $137,511 | +$50,916 |
| 87 | 12/1/2033 | $2,429 | $190,856 | $2,979 | $333,419 | $432,582 | $194,597 | $138,822 | +$52,034 |
| 88 | 1/1/2034 | $2,429 | $193,284 | $2,980 | $336,399 | $433,649 | $196,271 | $140,128 | +$53,157 |
| 89 | 2/1/2034 | $2,429 | $195,713 | $2,981 | $339,379 | $434,718 | $197,951 | $141,429 | +$54,284 |
| 90 | 3/1/2034 | $2,429 | $198,142 | $2,982 | $342,361 | $435,790 | $199,636 | $142,725 | +$55,417 |
| 91 | 4/1/2034 | $2,429 | $200,571 | $2,983 | $345,344 | $436,865 | $201,328 | $144,016 | +$56,555 |
| 92 | 5/1/2034 | $2,429 | $202,999 | $2,984 | $348,328 | $437,942 | $203,026 | $145,302 | +$57,697 |
| 93 | 6/1/2034 | $2,429 | $205,428 | $2,985 | $351,313 | $439,022 | $204,729 | $146,584 | +$58,844 |
| 94 | 7/1/2034 | $2,429 | $207,857 | $2,986 | $354,299 | $440,105 | $206,439 | $147,860 | +$59,997 |
| 95 | 8/1/2034 | $2,429 | $210,286 | $2,987 | $357,286 | $441,191 | $208,155 | $149,132 | +$61,154 |
| 96 | 9/1/2034 | $2,429 | $212,714 | $2,988 | $360,275 | $442,279 | $209,876 | $150,398 | +$62,316 |
| 97 | 10/1/2034 | $2,495 | $215,210 | $2,989 | $363,264 | $443,370 | $211,604 | $151,660 | +$63,550 |
| 98 | 11/1/2034 | $2,495 | $217,705 | $2,990 | $366,254 | $444,463 | $213,338 | $152,916 | +$64,789 |
| 99 | 12/1/2034 | $2,495 | $220,200 | $2,992 | $369,246 | $445,559 | $215,079 | $154,167 | +$66,033 |
| 100 | 1/1/2035 | $2,495 | $222,695 | $2,993 | $372,239 | $446,658 | $216,825 | $155,413 | +$67,282 |
| 101 | 2/1/2035 | $2,495 | $225,190 | $2,994 | $375,232 | $447,760 | $218,578 | $156,655 | +$68,536 |
| 102 | 3/1/2035 | $2,495 | $227,686 | $2,995 | $378,227 | $448,864 | $220,337 | $157,891 | +$69,795 |
| 103 | 4/1/2035 | $2,495 | $230,181 | $2,996 | $381,223 | $449,971 | $222,102 | $159,121 | +$71,059 |
| 104 | 5/1/2035 | $2,495 | $232,676 | $2,997 | $384,220 | $451,081 | $223,873 | $160,347 | +$72,329 |
| 105 | 6/1/2035 | $2,495 | $235,171 | $2,998 | $387,219 | $452,193 | $225,651 | $161,567 | +$73,604 |
| 106 | 7/1/2035 | $2,495 | $237,666 | $2,999 | $390,218 | $453,308 | $227,435 | $162,783 | +$74,884 |
| 107 | 8/1/2035 | $2,495 | $240,162 | $3,000 | $393,218 | $454,426 | $229,226 | $163,993 | +$76,169 |
| 108 | 9/1/2035 | $2,495 | $242,657 | $3,002 | $396,220 | $455,547 | $231,023 | $165,197 | +$77,460 |
| 109 | 10/1/2035 | $2,564 | $245,220 | $3,003 | $399,222 | $456,671 | $232,826 | $166,396 | +$78,824 |
| 110 | 11/1/2035 | $2,564 | $247,784 | $3,004 | $402,226 | $457,797 | $234,636 | $167,591 | +$80,193 |
| 111 | 12/1/2035 | $2,564 | $250,347 | $3,005 | $405,231 | $458,926 | $236,452 | $168,779 | +$81,568 |
| 112 | 1/1/2036 | $2,564 | $252,911 | $3,006 | $408,237 | $460,058 | $238,275 | $169,962 | +$82,949 |
| 113 | 2/1/2036 | $2,564 | $255,475 | $3,007 | $411,244 | $461,192 | $240,104 | $171,140 | +$84,334 |
| 114 | 3/1/2036 | $2,564 | $258,038 | $3,008 | $414,253 | $462,330 | $241,940 | $172,313 | +$85,725 |
| 115 | 4/1/2036 | $2,564 | $260,602 | $3,009 | $417,262 | $463,470 | $243,782 | $173,480 | +$87,122 |
| 116 | 5/1/2036 | $2,564 | $263,165 | $3,011 | $420,273 | $464,613 | $245,631 | $174,641 | +$88,524 |
| 117 | 6/1/2036 | $2,564 | $265,729 | $3,012 | $423,285 | $465,759 | $247,487 | $175,797 | +$89,932 |
| 118 | 7/1/2036 | $2,564 | $268,293 | $3,013 | $426,298 | $466,908 | $249,350 | $176,948 | +$91,345 |
| 119 | 8/1/2036 | $2,564 | $270,856 | $3,014 | $429,312 | $468,059 | $251,219 | $178,093 | +$92,763 |
| 120 | 9/1/2036 | $2,564 | $273,420 | $3,015 | $432,327 | $469,214 | $253,094 | $179,232 | +$94,187 |
Compound Interest
See how a starting balance and steady monthly contributions grow over time — and how much of the result is growth rather than money you put in.
YOUR SAVINGS PLAN
| Starting Balance: | |
| Monthly Contribution: | |
| Annual Return*: |
% |
| Years: |
AFTER 30 YEARS
Projected Balance
$252,111
You Put In:
$73,000
Growth Earned:
$179,111
Growth as Share of Balance:
71%
Year-by-Year Growth
| Year | You Put In | Growth Earned | Balance |
|---|---|---|---|
| 1 | $3,400 | $151 | $3,551 |
| 2 | $5,800 | $486 | $6,286 |
| 3 | $8,200 | $1,019 | $9,219 |
| 4 | $10,600 | $1,764 | $12,364 |
| 5 | $13,000 | $2,736 | $15,736 |
| 6 | $15,400 | $3,952 | $19,352 |
| 7 | $17,800 | $5,430 | $23,230 |
| 8 | $20,200 | $7,188 | $27,388 |
| 9 | $22,600 | $9,246 | $31,846 |
| 10 | $25,000 | $11,627 | $36,627 |
| 11 | $27,400 | $14,353 | $41,753 |
| 12 | $29,800 | $17,450 | $47,250 |
| 13 | $32,200 | $20,944 | $53,144 |
| 14 | $34,600 | $24,864 | $59,464 |
| 15 | $37,000 | $29,241 | $66,241 |
| 16 | $39,400 | $34,109 | $73,509 |
| 17 | $41,800 | $39,501 | $81,301 |
| 18 | $44,200 | $45,457 | $89,657 |
| 19 | $46,600 | $52,017 | $98,617 |
| 20 | $49,000 | $59,224 | $108,224 |
| 21 | $51,400 | $67,126 | $118,526 |
| 22 | $53,800 | $75,773 | $129,573 |
| 23 | $56,200 | $85,218 | $141,418 |
| 24 | $58,600 | $95,520 | $154,120 |
| 25 | $61,000 | $106,740 | $167,740 |
| 26 | $63,400 | $118,944 | $182,344 |
| 27 | $65,800 | $132,204 | $198,004 |
| 28 | $68,200 | $146,597 | $214,797 |
| 29 | $70,600 | $162,203 | $232,803 |
| 30 | $73,000 | $179,111 | $252,111 |
* Growth compounds monthly at the nominal annual rate; contributions are added at the end of each month. Actual investment returns vary year to year — this projection assumes a steady rate.
Emergency Fund
Work out how big your safety net should be, how far along you are, and how long it will take to finish building it.
YOUR SITUATION
| Monthly Essential Expenses*: | |
| Months of Coverage: | |
| Saved So Far: | |
| You Can Save Monthly: |
YOUR SAFETY NET
Target Fund (6 months)
$18,000
Progress
11% funded
Still to Save:
$16,000
Time to Goal:
5 yr 4 mo (64 months)
* Count only essentials — the bills that keep coming if your income stops. Most guidance suggests 3–6 months of coverage; lean toward more if your income is variable or you support dependents.
50/30/20 Budget Split
A quick rule-of-thumb split of your take-home pay into needs, wants, and savings — a starting point before building a full budget.
YOUR TAKE-HOME PAY
YOUR 50/30/20 SPLIT
Needs — 50%
$2,000
The must-pays: housing, groceries, utilities, insurance, minimum debt payments, transportation.
Wants — 30%
$1,200
The nice-to-haves: dining out, streaming, hobbies, travel, upgrades you could live without.
Savings & Debt — 20%
$800
Building your future: emergency fund, retirement contributions, and paying debt down faster than the minimum.
The 50/30/20 rule is a starting point, not a law — in high-cost areas needs may run over 50%, and if you're behind on savings you may want to push past 20%. Ready to go deeper? The Budget Planner maps every bill to a paycheck.
Inflation Impact
See what inflation does to the purchasing power of your money — what today's dollars will buy years from now.
WHAT-IF
| Amount: | |
| Annual Inflation Rate*: |
% |
| Years: |
IN 10 YEARS
What costs $1,000 today will cost about
$1,344
$1,000 received then buys what this does today
$744
Purchasing power lost to inflation
25.6%
* Inflation compounds annually at the rate you enter. This is exactly why money sitting idle loses ground over time — pair this with the Compound Interest tool to see how saving at a rate above inflation keeps you ahead.