Tools
Investment calculator
Enter what you actually plan to invest and see the projected value month by month — including the fees most calculators quietly leave out. Every figure below is an illustration built from your own assumptions.
Investment calculator
This is an assumption, not a forecast.
Estimated value after 20 years
€125,671
- Total contributed
- €65,000
- Estimated net gain or loss
- +€60,671
- Value in today's money
- €84,573
Nominal vs. real value
Your costs have two effects
- Direct fees paid
- €2,412
- Estimated lost compound growth
- €1,312
- Total estimated cost impact
- €3,725
Fees can affect you twice: when they are charged, and through the future growth that money can no longer earn.
1% Better Lab
What could one small change do?
In this scenario, investing €25 more each month has roughly 25× the estimated effect of removing the recurring order fee.
Actions you may control
- Invest €25 more each month+€11,0718.8% vs. your current plan
- Stay invested one more year+€10,3408.2% vs. your current plan
- Cut annual costs by 0.2 percentage points+€3,2712.6% vs. your current plan
- Remove the recurring order fee+€4430.4% vs. your current plan
Assumptions you cannot control
- Model a 1 percentage point higher return+€16,26612.9% vs. your current plan
A higher return is not guaranteed and usually cannot be achieved without taking different or greater risk.
Illustrative estimate only, not investment advice. Actual returns vary and investments can lose value. Taxes are not included in this estimate.
Calculated month by month from your inputs. Taxes are not included. Past performance does not predict future results.
Methodology & assumptions
The projection runs month by month. Your annual return assumption is converted to a compounding-consistent monthly rate, contributions are added according to the timing you choose, and the annual fund cost is deducted from the balance each month.
Contributions accumulate as cash and are invested when an order is placed. If you set fewer transactions per year, the money waits in cash between orders and does not earn a return during that time — which is what happens with a real periodic sweep.
Inflation is applied at the end to show the value in today's money. Taxes, withholding on dividends, spreads and any account-level charges are not included. This is an illustration built from your assumptions, not a forecast, and past performance does not predict future results.
Common questions
- What return should I assume?
- There is no correct number. Broad equity markets have historically delivered mid-single-digit real returns over long periods, but any individual decade can be far better or far worse. Try a conservative figure and a higher one and look at the gap — that range is the honest answer.
- Why does a 0.25% fee difference matter so much?
- A fee costs you twice: the amount charged, plus every year of growth that money would have earned had it stayed invested. Over twenty or thirty years the second effect is usually the larger of the two, which is why the calculator separates them.
- Does this include taxes?
- No. Tax treatment depends on your country of residence, your account type and the fund's domicile, so including it would create false precision. Treat the result as a pre-tax illustration.
- What does 'value in today's money' mean?
- It is the projected balance adjusted for your inflation assumption, so you can judge what the amount would actually buy. Nominal figures always look larger; the real figure is the more useful one for planning.
- Is this financial advice?
- No. InvestBeacon does not provide financial advice or personal recommendations. This tool performs arithmetic on the assumptions you enter and nothing more.