The Concept Atlas · Seven visualisations
Every finance idea
that matters, drawn.
Read the chart, scrub the slider, internalise the shape. Better than a thousand words and faster than any textbook.
01 · Concept Atlas
Compound Interest
Compounding is the most boring and the most important idea in personal finance. Money invested earns returns, those returns earn returns, and the curve gets steeper and steeper the longer you let it run.
Time is the input that the wealthy understand and the rest of us underestimate. The chart curves upward - and the second half is always bigger than the first.
Source · Standard compound-interest formula. 8% reflects the inflation-adjusted equity risk premium per Ibbotson / Morningstar 1926–2024.
200$
8%
40yr
Final balance
$702,856
You contributed
$96,000
Earned by compounding
$606,856