At 18 years old, starting at $0, you begin saving $100 per month, with a 10% annual return.
If you wait to start saving the same amount until you are 22 (after graduating college), how much less do you have at age 65?

The number of years is 65 -18 = 47, or 65 -22 = 43. The number of times interest is compounded in a year is 12. We assume that deposits are made at the end of the month.

starting at 18: $1,281,919.73 after 47 years

starting at 22: $856,779.11 after 43 years

The difference is ...

$1,281,919.73 -856,779.11 = $425,140.62

At age 65, you have about $425,140.62 less.

At 18 years old, starting at $0, you begin saving $100 per month, with a 10% annual return. If you wait to start saving the same amount until you are 22 (after graduating college), how much less do you have at age 65?

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At 18 years old, starting at $0, you begin saving $100 per month, with a 10% annual return.
If you wait to start saving the same amount until you are 22 (after graduating college), how much less do you have at age 65?