Investment calculator

Data: 19 Oct 2026

The investment calculator simulates the growth of a one-off lump sum and/or regular monthly contributions. Check how time and expected return affect the result and get a feel for the power of compound interest. For popular ETFs such as Vanguard FTSE All-World (VWCE) and iShares Core S&P 500 (CSPX), it uses their historical returns. The result is informational. Numbers use European format (e.g. 1.000 for one thousand, 7,00 for seven).

Initial contribution (€) *

Monthly contribution (€) *

Period (years) *

ETF (suggested return) ?

Annual return (% per year) ? *

Investment return result

Final value –

Total contributed –

Profit –

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Notes and limitations

How the calculation works

Total contributed is the sum of the initial contribution and all monthly contributions (without return).
Final value includes the compound effect at a constant monthly return (annual return / 12).
Assumption: monthly contributions are paid at the end of the month, so over short periods (e.g. 1 year) some contributions earn for less time.
Profit = final value − total contributed.
Difference (run 2 − run 1) compares the current calculation with the saved one. A negative profit difference means the second run had higher contributions but the final value didn't grow proportionally.

This calculator is an informational estimate. Returns are not guaranteed and can vary widely from year to year.

Why this calculator

Why use the investment calculator?

See compounding at work

It shows how regular monthly contributions and compound growth increase the value of an investment over the long term.

Compare investments

Put the expected return and risk of ETFs, gold and a deposit side by side before you decide.

Test your own plan

Change the amount, period or return and see what it means for the final value.

How the calculator works out VWCE and other ETF returns

When you pick a fund in the "ETF" field, the calculator uses its historical data instead of a manually entered return. From daily prices it computes the average annual return (CAGR) over every 10-year period and draws three scenarios: optimistic (best period), realistic (average) and pessimistic (worst period). It also accounts for the fund's annual cost (TER).

Vanguard FTSE All-World (VWCE) has existed since 2019, so it has no 10-year periods yet. For it the calculator uses the return over its whole history: 12.7% a year, TER 0.22%, largest drop in that time 33.4%. That is why all three VWCE scenarios are the same. For funds with a longer history, such as iShares Core S&P 500 (CSPX), the scenarios differ. The data refreshes automatically (last captured: 19 October 2026).

Past returns do not guarantee future ones. The years since 2019 were unusually good for stock markets, so for a long-term plan it makes sense to also check a lower return, for example with "Manual return". ETFs can be compared by return, risk and cost in the ETF comparison.

Frequently asked questions

Frequently asked questions about the investment calculator 5

What is CAGR and why does the calculator use it?

CAGR (compound annual growth rate) is the average yearly growth rate of an investment, calculated so that it smooths out the swings between years. We use it because it allows different investments (ETFs, gold, a deposit) to be compared on the same basis.

Is the return shown guaranteed?

No. Past returns do not guarantee future ones. The calculation is informational and based on historical data; the value of an investment can also fall.

How does the calculator handle regular monthly contributions?

It calculates the growth of the one-off amount and of the regular monthly payments separately and adds them up into the final value, assuming a constant annual return (CAGR).

Why does the result differ between ETFs, gold and a deposit?

Each investment has its own historical return and risk. ETFs and gold have a higher expected return on average but also greater volatility, while a deposit is safer but returns less.

Does the calculation include taxes and costs?

Partly. For ETFs the annual management cost (TER) is included, but tax on capital gains or dividends is not, as it depends on your personal situation.