Free calculator

Find the year your money out-earns you.

One boring monthly amount, left alone. At some point your money earns more in a year than you put in. Keep calls it the crossover year. Here's yours.

Find my crossover year ↓ See the full planner
Nobody notices. That's the point.
Keep, the Keep Finance cartoon character, waving

Your numbers

Change anything. Results update instantly.

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Returns are an assumption for illustration. Markets go up and down; nothing here is guaranteed.

13
Your crossover yearFrom here on, your money earns more each year than you add.
Balance at the end
$0
Total you put in
$0
Growth did the rest
$0
What you put inGrowthCrossover year
See every year
YearAddedGrowthBalance
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Keep's three quiet rules

No hacks. No hot tips. Just the habits from every Keep story.

1

Pay yourself first

The investment leaves on payday, before rent, before fun. You never see it, so you never miss it.

2

Never skip free money

A 401(k) match is a raise you only get if you ask for it. Keep always asks.

3

Buy the dream, once

Big purchases pass three tests first. If they pass, enjoy them with zero guilt.

Google Sheets + Excel

Keep's Quiet Wealth Planner

The calculator above, plus four more tools that turn Keep's habits into a plan you can follow tonight.

  • Pay Yourself FirstSplit your paycheck so saving happens automatically.
  • Compound Growth Calculator40 years, year by year, with your crossover year.
  • Free Money Checklist401(k) match, HSA, employer perks: claim every dollar.
  • Dream Purchase TestKeep's 3 rules answer: buy it and enjoy it, or wait.
  • Net Worth TrackerOne row a month. Watch the line go up quietly.
$15one-time
  • Instant access after checkout
  • Make your own copy in one click
  • Excel (.xlsx) file included
  • Yellow cells in, answers out. No formulas to write.
Get the Planner – $15

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Who is Keep?

Keep is the quiet guy in every Keep Finance story: ordinary paycheck, old car, coffee from home, and a net worth nobody would guess. New POV stories every week.

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