Grove Money

What a car payment really costs

A six-year loan at $550 a month has a sticker price everyone knows. This is the other number: what those payments would have been worth had they compounded instead.

$35,753

Over 6 years, in today's money — and invested instead it would grow to $40,549.

Based on 8% growth while saving, easing to 5%, and 3% inflation, from age 35 to retirement at 65.

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These ages are an assumption, not your numbers: 35 today, retiring at 65, planning through 90. Change them in the calculator.