How to Start Investing With $100
You don't need a pile of cash to start. Open an account, pick a broad index fund, automate $100, and voilà, you're investing.
Millennial money management
Work because you want to.
Retirement isn't some far-off fantasy. It's a math problem you can solve. Born Retired shows you the math, gives you the tools, and helps you build a system that buys back your time.
$
Your freedom number
$1,500,000
$5,000 × 12 = $60,000 a year × 25 = $1,500,000. Based on the 4% rule, a historical guideline, not a guarantee.
$100 a month · 30 years · 10%Example
≈ $226,000
What you'll get from us
Simple tools. Real math.
October budget Demo data
Income+$6,400
Housing−$1,850
Groceries & dining−$720
Fun money−$300
Invested$1,200
Spending vs. plan
Free Notion Budget Tracker
The same budget I actually use. Track income, spending and savings in one place, and see where your money goes without a spreadsheet headache. It's as easy as scrolling through memes.
Net worth Demo data
$184,250
Investments$151,900
Cash$32,350
Net Worth & Goals
One number that tells you if you're moving forward. Watch your net worth climb month over month and connect it to the goals that actually matter to you.
Savings goals Demo data
Emergency fund
Japan trip
House down payment
Savings Goals That Fit You
Budgeting isn't about restriction. It's about intention. Name the things you care about, give each one a target, and let the plan tell you what's realistic.
Free calculators
Pick your question.
Each calculator answers one money question in plain English. No account, no signup, and your numbers never leave your browser.
Let's get real
$100 a month is not "too small to matter."
Here's what $100 a month becomes at a 10% average annual return, compounded monthly. Same habit. The only thing that changes is time.
30 years
$226K
40 years
$632K
50 years
$1.73M
Assumes about 10% long-run market returns, compounded monthly, before inflation. Real returns vary year to year and are not guaranteed. Capital is cheap now and expensive later. Invest early, and keep going.
Flip the switch
Do you want to work forever?
From the blog
Start reading
How to Crack the Code to Retirement
Retirement is a math problem you can solve. Find your number, account for inflation, and work backward.
Note to Self
Why I'm doing this, and why I'm shipping it before it's perfect.
Get started for free
Get the budget tracker. Plus one money idea a week.
- The free Notion Budget Tracker, sent straight to your inbox
- A short weekly note: one idea, one number, one action
- No spam, no hype. Unsubscribe whenever you want
Written by Mike Lewallen, every week.Real numbers, no hype.