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Clifford Mulder
First Vice President, Investments
Wealth Management Specialist, Financial Advisor

157 S. Kalamazoo Mall
Suite 400
Kalamazoo, MI 49007
Phone: 269-349-7744
Fax: 269-385-2858
Toll-Free: 800-842-0099
Direct: 269-337-5515
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 Raymond James - Cost of Waiting Calculator

Cost of Waiting Calculator

Procrastination can be expensive

When saving for retirement or other long-term goals, you want time on your side. The sooner you begin investing, the greater wealth you may accumulate.

This calculator demonstrates the benefit of compounding interest. It should only be used as a first step toward increasing your awareness of the positive impact time may have on your investment portfolio.

For a personalized and detailed analysis, please contact us. We have sophisticated retirement planning software to create retirement plans under specific assumptions tailored to your individual financial situation.

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Annual Deposit Amount

Annual Deposit Amount

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How many years would you like to make contributions?

How many years would you like to make contributions?

In what year do you plan to retire?

What average hypothetical annual total return do you expect to earn on your investments (after taxes)?




This calculator is provided for illustration purposes only and is not intended to be representative of actual results. The determinations made by this calculator should not be construed as guarantees or projections. Moreover, the reasonableness of certain information may change over time because of changes in tax law, investment trends and your personal circumstances. The information contained here is based on current law and has been obtained from sources believed to be reliable, but we do not guarantee its accuracy. Investment results can vary considerably depending on the type of securities involved, general market conditions and other factors. It is important that you periodically review and update your plans.
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Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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