← Back to Visual Frameworks

#0017 Savings Gravity Well

Linear saving vs compound interest

Savings Gravity Well

Linear saving piles up slowly. Compound interest creates a gravity well—wealth attracts more wealth.

Contribution ($)
Interest earned
Wealth mass
Linear Saving
Year 25 Constant rate • No acceleration
$150K
total saved
900 deposits
Compound Interest
Year 25 g = 2.00Wealth attracts wealth • g = base × (1 + mass)
$405K
total accumulated
+$255K interest
Compound advantage: 2.70x more wealth
The Flat Pile

$500/month falls into the pile at a constant rate. After 25 years: $150K. No acceleration, no attraction—just arithmetic addition. Your pile grows, but it never pulls in more on its own.

The Gravity Well

Same $500/month, but at 7% interest, your wealth creates gravity. Each dollar attracts more dollars. After 25 years: $405K. The interest alone ($255K) exceeds what you'd save linearly in 42 years.

The Wealth Gravity Formula
gravity(t) = baseGravity × (1 + totalMass / 100)

At 7% for 25 years, your gravity multiplier is 2.00x. Every dollar you add gets pulled in 2.0x harder than it would alone.

Life Applications
Retirement
Start early,
let gravity work
Emergency Fund
High-yield savings
compounds too
Portfolio
Reinvest dividends,
increase mass

Scroll on either canvas to zoom. Increase the interest rate to see the gravity well deepen and pull in wealth faster. Time is the ultimate force multiplier.