According to my handy amortization calculator, $3000/year = 250/mo starting from 0, 10 years = 120 months, 3%/year (S&P500, after taxes and inflation), g

According to my handy amortization calculator, $3000/year = 250/mo starting from 0, 10 years = 120 months, 3%/year (S&P500, after taxes and inflation), gives $34,935.36. 20 years gives $82,075.50.