See what your money could become.
Try monthly saving, an existing lump sum or a target. Compare the same money over the same period, with and without a hypothetical return.
Iakovos Perchanidis
Your savings and capital scenario
Hypothetical annual return: 5.5% after costs, before tax and inflation.
See how the hypothetical value changes with the same monthly contribution over the same period.
A mathematical assumption, not an expected return. Try a lower, zero or negative value too. The calculator’s range does not limit the losses that could occur.
What difference could a return make?
€200 per month · 15 years
A mathematical illustration before tax and inflation. It is not a forecast or a comparison of specific products. The actual value may be lower than your contributions.
Year-by-year figures
| Year | Contributions | Hypothetical value |
|---|---|---|
| 0 | €0 | €0 |
| 1 | €2,400 | €2,460 |
| 2 | €4,800 | €5,055 |
| 3 | €7,200 | €7,793 |
| 4 | €9,600 | €10,682 |
| 5 | €12,000 | €13,729 |
| 6 | €14,400 | €16,944 |
| 7 | €16,800 | €20,336 |
| 8 | €19,200 | €23,914 |
| 9 | €21,600 | €27,689 |
| 10 | €24,000 | €31,672 |
| 11 | €26,400 | €35,874 |
| 12 | €28,800 | €40,307 |
| 13 | €31,200 | €44,984 |
| 14 | €33,600 | €49,918 |
| 15 | €36,000 | €55,123 |
Returns that remain invested are included in the next return calculation. In practice, an investment can also experience periods of negative returns.
Calculation assumptions and limitations
A constant hypothetical annual return of 5.5% after all costs, converted to an equivalent monthly rate. Initial capital is invested at the start, and monthly contributions at the end of each month. There are no withdrawals. Tax and inflation are not included. The after-cost assumption is not an estimate of the charges or returns of any specific product. The no-return line shows contributions only and does not represent a bank deposit. A constant return does not reflect real market fluctuations: results may be lower, and capital is at risk.
The amounts, duration and assumed return are passed to the form through the link. They are saved only if you choose to include them in your enquiry.