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2-Speed Investment Calculator
Compare a two-phase investment strategy (active then passive) against passive-only investing. See how higher early returns can accelerate your wealth building.
Calculator Inputs
Phase 1 - Active Investment
20%
0%50%
5 years
1 year30 years
Phase 2 - Passive Investment
8%
0%20%
20 years
1 year30 years
Total Duration:25 years
Portfolio Growth Comparison
Two-Speed Strategy
Passive-Only Benchmark
Final Portfolio Value
$1,159,795
Two-Speed Advantage
$474,948
Total Capital Invested
$100,000
Passive-Only Benchmark
$684,848
Blended CAGR
10.30%
CAGR Advantage
+2.30%
Total Duration
25 years
Total Gain
$1,059,795
Return on Capital
1059.80%
Year-by-Year Schedule
| Year | Phase | Contribution | Capital Invested | Two-Speed Value | Passive-Only | Gain |
|---|---|---|---|---|---|---|
| 0 | Start | $0 | $100,000 | $100,000 | $100,000 | $0 |
| 1 | Phase 1 | $0 | $100,000 | $120,000 | $108,000 | $20,000 |
| 2 | Phase 1 | $0 | $100,000 | $144,000 | $116,640 | $44,000 |
| 3 | Phase 1 | $0 | $100,000 | $172,800 | $125,971 | $72,800 |
| 4 | Phase 1 | $0 | $100,000 | $207,360 | $136,049 | $107,360 |
| 5 | Phase 1 | $0 | $100,000 | $248,832 | $146,933 | $148,832 |
| 6 | Phase 2 | $0 | $100,000 | $268,739 | $158,687 | $168,739 |
| 7 | Phase 2 | $0 | $100,000 | $290,238 | $171,382 | $190,238 |
| 8 | Phase 2 | $0 | $100,000 | $313,457 | $185,093 | $213,457 |
| 9 | Phase 2 | $0 | $100,000 | $338,533 | $199,900 | $238,533 |
| 10 | Phase 2 | $0 | $100,000 | $365,616 | $215,892 | $265,616 |
| 11 | Phase 2 | $0 | $100,000 | $394,865 | $233,164 | $294,865 |
| 12 | Phase 2 | $0 | $100,000 | $426,454 | $251,817 | $326,454 |
| 13 | Phase 2 | $0 | $100,000 | $460,571 | $271,962 | $360,571 |
| 14 | Phase 2 | $0 | $100,000 | $497,416 | $293,719 | $397,416 |
| 15 | Phase 2 | $0 | $100,000 | $537,210 | $317,217 | $437,210 |
| 16 | Phase 2 | $0 | $100,000 | $580,186 | $342,594 | $480,186 |
| 17 | Phase 2 | $0 | $100,000 | $626,601 | $370,002 | $526,601 |
| 18 | Phase 2 | $0 | $100,000 | $676,729 | $399,602 | $576,729 |
| 19 | Phase 2 | $0 | $100,000 | $730,868 | $431,570 | $630,868 |
| 20 | Phase 2 | $0 | $100,000 | $789,337 | $466,096 | $689,337 |
| 21 | Phase 2 | $0 | $100,000 | $852,484 | $503,383 | $752,484 |
| 22 | Phase 2 | $0 | $100,000 | $920,683 | $543,654 | $820,683 |
| 23 | Phase 2 | $0 | $100,000 | $994,338 | $587,146 | $894,338 |
| 24 | Phase 2 | $0 | $100,000 | $1,073,885 | $634,118 | $973,885 |
| 25 | Phase 2 | $0 | $100,000 | $1,159,795 | $684,848 | $1,059,795 |