Investment return calculator
Project contributions, investment fees and inflation in your selected currency.
Your scenario
Method and exclusions
Use an effective annual return and annual asset fee, with net factor (1 + return) × (1 − fee). Convert to a monthly rate, add fixed contributions at month end, and discount by assumed inflation for today’s-money figures. Constant returns are scenarios. Tax, trading charges, product selection and market volatility are excluded.
Supporting guidance: Investor.gov compound interest tool (new tab). Guidance checked 28 October 2026; the arithmetic model remains our stated approximation.
How to use the result
Run a baseline, then change one assumption at a time. Compare the total cost or balance as well as the monthly amount. Keep excluded taxes, fees and product features on a separate checklist. Confirm decisions against actual provider documents.