Crossover point calculator

When growth outpaces what you pay in.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Balance

Monthly contribution

Return

Crossover in

5 yr 3 mo

Balance at crossover

$103,226

With these inputs, crossover in comes to 5 yr 3 mo. Balance at crossover works out to $103,226. The result assumes return stays at 7%.

What moves the number · Crossover in

Input	−10%	Now	+10%
Balance	5 yr 8 mo	5 yr 3 mo	4 yr 10 mo
Monthly contribution	4 yr 10 mo	5 yr 3 mo	5 yr 8 mo
Return	6 yr 4 mo	5 yr 3 mo	4 yr 5 mo

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

When growth outpaces what you pay in.

With the defaults above, crossover in works out at 5 yr 3 mo.