Starting amount

€

Monthly contribution

€

Assumed return per year

%

An assumption for the calculation, not a forecast. Markets fluctuate, even over long periods.

Ongoing costs per year

%

For example a fund’s total expense ratio.

Term

years

Inflation for comparison

%

Final value before tax: …
Your contributions: …
Returns from compounding: …
Final value in today’s purchasing power: …
Effect of costs: …

Contributions Returns

Year	Contributions	Returns	Value

Example calculation with a monthly contribution at the end of each month and a constant return after costs. Taxes are not taken into account. General information, not investment advice.

The compounding effect

Returns that stay in the account or portfolio earn returns themselves. Over long periods, the share that does not come from your own contributions grows. The curve shows how strongly the term matters.

Costs and purchasing power

Ongoing costs reduce the return every year and therefore also compound. The line on the effect of costs shows the difference from a calculation without costs. The value in today’s purchasing power takes the assumed inflation out.

Limits of the calculation

The calculation assumes a constant return. Actual performance fluctuates, taxes apply, and past returns are not a reliable indicator of future ones. The tool is for understanding, not for planning a specific investment.

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