Compound interest and investment calculator
Find out how an initial deposit and regular monthly investments grow at the return, fund fee and inflation you enter. The result is shown in a chart and year by year.
Enter your assumptions
Value over time
Year by year
| Year | Paid in | Value | Real |
|---|---|---|---|
| 1 | $160,000 | $167,379 | $163,296 |
| 2 | $220,000 | $238,665 | $227,165 |
| 3 | $280,000 | $314,087 | $291,661 |
| 4 | $340,000 | $393,883 | $356,838 |
| 5 | $400,000 | $478,307 | $422,753 |
| 6 | $460,000 | $567,627 | $489,463 |
| 7 | $520,000 | $662,128 | $557,026 |
| 8 | $580,000 | $762,111 | $625,500 |
| 9 | $640,000 | $867,892 | $694,945 |
| 10 | $700,000 | $979,808 | $765,425 |
| 11 | $760,000 | $1,098,216 | $836,999 |
| 12 | $820,000 | $1,223,491 | $909,734 |
| 13 | $880,000 | $1,356,032 | $983,693 |
| 14 | $940,000 | $1,496,261 | $1,058,945 |
| 15 | $1,000,000 | $1,644,623 | $1,135,555 |
| 16 | $1,060,000 | $1,801,590 | $1,213,596 |
| 17 | $1,120,000 | $1,967,661 | $1,293,137 |
| 18 | $1,180,000 | $2,143,364 | $1,374,252 |
| 19 | $1,240,000 | $2,329,258 | $1,457,015 |
| 20 | $1,300,000 | $2,525,933 | $1,541,504 |
How to use the calculator
Enter the initial deposit, the monthly deposit and the period. Then set the expected annual return, the fund fee (TER) and inflation. The result shows the value at the end, how much you paid in, the gain and the real value after inflation. Deposits are made at the end of each month and the return is compounded monthly.
Real markets fluctuate and fall in some years, so try different scenarios rather than relying on a single number.
Frequently asked questions
How does compound interest work?
Returns are added to your capital and then earn returns themselves in the next period. The longer the time, the faster the value grows. See the article on how compound interest works for an example.
What return should I enter?
Nobody can guarantee one. Try several scenarios, for example 4%, 6% and 8% a year, and treat them as illustrations, not forecasts.
Why does the calculator include a fee (TER)?
A fund's annual fee reduces your return every year. Over a long time even a few tenths of a percent add up noticeably.
What does real value mean?
It is the value after inflation, that is, what your final amount would be worth in today's money.
Related
Calculations are illustrative and based on the assumptions you enter. This is not investment or tax advice and returns are not guaranteed.