Investment Growth Calculator
Project how a personal or company investment could grow from a starting amount, regular contributions and an assumed annual return, after fees and inflation.
Formula and method
The balance is simulated step by step. Each step grows the balance by (1 + annual return) 1/steps − 1.
The annual fee is charged pro rata at each step as 1 − (1 − fee) 1/steps, so it reduces the balance as it compounds.
Contributions are added at the start or end of each contribution period as selected. Inflation adjustment divides the balance by (1 + inflation) for each year.
Growth in the table is the balance movement excluding contributions and after fees, so the columns reconcile with the headline figures.
Worked example
€10,000 invested at 10% a year with no contributions and annual compounding:
Year 1: €11,000. Year 2: €11,000 × 1.10 = €12,100, of which €2,100 is growth.
Adding a 1% annual fee reduces the balance every year, and the gap widens the longer the money stays invested.
FAQ
Frequently asked questions
How is compound growth calculated?
The balance is grown step by step at the equivalent periodic rate, contributions are added on their own schedule, and any annual fee is deducted pro rata at each step.
What return should I assume?
There is no correct figure. Past returns do not predict future returns, so it is usually more useful to compare several assumptions than to rely on one.
What does the inflation-adjusted value mean?
It restates the projected balance in today's money by dividing by (1 + inflation) for each year, which shows roughly what the money could buy rather than its nominal size.
Do contributions at the start of a period matter?
Yes. Contributing at the start of each period gives each contribution one extra period of growth, so the projected balance is slightly higher than contributing at the end.
Are taxes included?
No. The projection is before any income, dividend, withholding or capital gains tax, and before any platform charges you do not enter as a fee.
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