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Investment Growth Calculator
OnestPay · Your debit card. Your path to wealth.
Small rewards.
Room to grow.
Everyday cashback. Building blocks of your wealth.
Give cashback from planned purchases through OnestPay a long-term purpose. Your existing debit card can be the starting point for regular investment contributions, with no additional out-of-pocket contributions in this illustration.
See what your cashback could do ↓
Small earnings. A bigger purpose.
Your debit card becomes a starting point
for building your future.
Wealth-building can begin with money you were not setting aside before. Instead of spending your cashback again, consider giving it a new job: regular contributions toward an investment goal. Start with rewards from purchases already in your budget.
Reward planned spending.
Pay through OnestPay at eligible stores and earn cashback under the current offer.
Give rewards a purpose.
Arrange to contribute earned cashback to investments that fit your goals and risk tolerance.
Explore the long view.
See how regular contributions and hypothetical investment growth could add up over your chosen timeframe.
Linking a debit card alone does not earn cashback on ordinary card purchases. Investments and contributions are arranged separately. OnestPay does not automatically invest your rewards or pay the returns illustrated here.
Enter your monthly cashback estimate
Enter the amount you expect to set aside each month. Need an estimate? Use the cashback calculator → The $60.00 sample below is illustrative; it is not a promised reward.
Give your rewards a purposeChoose your goal.
Choose your goal.
See what cashback could change.
Every cashback dollar can support a goal that matters to you. Consider putting your rewards toward reducing debt or adding to long-term savings.
Pay off your mortgage earlier
Put cashback toward extra principal payments and work toward owning your home sooner.
Explore calculator →Pay off your car loan earlier
Use cashback for additional loan payments and reduce your remaining balance.
Explore calculator →Pay off your student loan earlier
Direct cashback toward your student-loan balance and keep moving toward your payoff goal.
Explore calculator →Pay down credit-card debt
Apply cashback toward your credit-card balance and work toward becoming debt-free.
Explore calculator →Build your retirement fund
Set cashback aside for retirement and make saving a regular habit.
Explore calculator →Build college savings
Set cashback aside for future tuition, books and education expenses.
Explore calculator →Build your investments
Contribute cashback regularly and explore its potential over time.
Explore calculator →Save for a home down payment
Put cashback toward the down payment on your future home.
Explore calculator →Your Savings Advantage
Congratulations! With $0 in additional contributions from your pocket, your cashback could help build your future.
You could build $32,237.17 in investments over 20 yr .
This illustration starts at $0 and invests $60.00 in monthly cashback at an assumed 7.5% annual return. Actual returns and rewards can differ.
Show the calculation
Additional projected savings$32,237.17
Cashback contributed$14,400.00
| After 20 yr | Without cashback | With cashback |
|---|---|---|
| Projected balance | $0.00 | $32,237.17 |
The 7.5% annual return is a hypothetical assumption, not a forecast. Contributions occur at month end. Taxes, fees and inflation are excluded.
Illustrative estimates only. Loan calculations assume a constant rate, monthly interest and payments, and extra cashback applied to principal each month. They exclude fees, penalties and changes in rewards. Savings calculations assume a constant annual return, monthly compounding and end-of-month contributions; they exclude taxes, fees and inflation. Returns can vary and losses are possible. Results are not guarantees.
These are ideas for using your rewards, not automatic OnestPay services. Each illustration applies the full monthly cashback estimate to one goal. Any payments or contributions must be arranged separately. Consider your loan terms and retirement-account rules before making additional payments or contributions.
The bigger picture
Small contributions.
A longer-term perspective.
Each cashback contribution adds money to your investment balance. If investments earn positive returns, those returns can also generate future growth. That is the potential of compounding—alongside the risk that values can fall.
This illustration starts at $0 and separates your cashback contributions from the hypothetical growth, so you can see what is doing the work.
Based on your calculator inputs
Your cashback could build an investment balance of $32,237.17.Contributing $60.00 each month for 20 yr at an assumed 7.5% annual return illustrates how small rewards could support a longer-term goal—with $0 in additional out-of-pocket contributions. Actual investment results are not guaranteed.
Cashback contributed$14,400.00
Illustrative investment growth$17,837.17
A little clarity before you begin.
What does “$0 extra” mean?
It means the contributions in this illustration are funded entirely with cashback you earn, rather than additional money from your pocket. You still pay for your purchases. Investments are not free of risk or potential fees.
Are 5%, 7.5% and 10% guaranteed returns?
No. These are hypothetical annual-return assumptions, not forecasts or returns paid by OnestPay. The labels describe the assumptions, not the risk of an investment. Actual returns can be negative.
Does this include my current investments?
No. It starts at $0 and projects only your entered cashback contributions. Existing savings and investments are not included.
Does OnestPay invest my cashback automatically?
No. You arrange investments and contributions separately. Review the investment’s risks, costs and account requirements before contributing.
How does the projection work?
It assumes a constant annual return converted to a monthly rate, end-of-month contributions and no withdrawals. Taxes, fees and inflation are excluded. Actual market performance and cashback earnings will differ.
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