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Compound Interest Calculator

Project a lump sum and a monthly savings plan forward, and split the result into what you paid in and what compounding added. Inflation is applied separately so you can see the number in today's money as well as tomorrow's.

Your plan

Nothing you type is sent anywhere.

Raises the monthly amount at each anniversary. Leave at 0 for a flat plan; set it near inflation to keep the contribution worth the same each year.

Before costs. A broad global equity index has historically returned roughly 7% a year in real terms, but any single decade can land far from that.

The fund's TER plus any platform or custody fee charged as a percentage.

Changes the “in today's money” figure only. Your balance is the same number of euros either way — inflation decides what they buy, not how many you have.

After 25 years

€406.027

In today's money€247.486

The same portfolio, measured in what it will actually buy after 2% inflation a year. Inflation does not change how many euros you end up with, only what they are worth — so it moves this second figure and leaves the first alone.

You paid in

€155.000

Compounding added

€251.027

62% of the final balance

Lost to fees

€12.632

Including the growth those fees would have earned

Portfolio value

After 25 years

€406.027

  • Growth€251.027
  • What you paid in€155.000