Cash vs Invest
Enter the amount and compare keeping cash vs investing.
Opportunity cost of keeping cash
$0
Cash: $0 · Invested: $0
Cash future value
$0
Invested future value
$0
Difference
$0
Cash purchasing power (3% inflation)
$0
Invested real value
$0
Real difference
$0
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Amount ($) | $100,000 |
| Cash return (HYSA/CD) (%) | 4% |
| Investment return (stocks) (%) | 8% |
| Time period (years) | 20 |
| Result | Value |
|---|---|
| Opportunity cost of keeping cash | $246,983 |
| Cash future value | $219,112 |
| Invested future value | $466,096 |
| Difference | +$246,983 |
| Cash purchasing power (3% inflation) | $121,317 |
| Invested real value | $258,066 |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Cash vs Invest
- Amount ($) — default $100,000
- Cash return (HYSA/CD) (%) — default 4%
- Investment return (stocks) (%) — default 8%
- Time period (years) — default 20
- Press Calculate to update the results instantly.