Compound interest

Project contributions and profit with inflation, fees and taxes.

Your starting point

Initial investment?Periodic contribution?Term (years)?Expected annual return (%)?

Contributions and frequency

Contribution frequency?Contribution timing?Annual contribution increase (%)?

Inflation, fees and taxes

Annual inflation (%)?Annual balance fee (%)?Fixed annual costs?Fee on every contribution (%)?Tax on gains (%)?When tax is settled?

Editable example; you have not calculated your own inputs yet.

Final net capital€107,693.87

Total contributions€58,000.00

Net profit€49,693.87

Value in today’s money€72,474.89

ROI85.68 %

Cash-flow-adjusted CAGR5 %

Fees€0.00

Estimated taxes€0.00

Rate scenarios

Return change (points)?

Scenarios only change the applied interest rate or return.

View full table · 20 rows

Year	Contributed	Balance before exit	Net on withdrawal	Real value	Net profit
1	12,400	12,954.52	12,954.52	12,700.51	554.52
2	14,800	16,056.76	16,056.76	15,433.25	1,256.76
3	17,200	19,314.11	19,314.11	18,200.12	2,114.11
4	19,600	22,734.33	22,734.33	21,003.01	3,134.33
5	22,000	26,325.56	26,325.56	23,843.87	4,325.56
6	24,400	30,096.36	30,096.36	26,724.7	5,696.36
7	26,800	34,055.69	34,055.69	29,647.53	7,255.69
8	29,200	38,212.99	38,212.99	32,614.42	9,012.99
9	31,600	42,578.16	42,578.16	35,627.5	10,978.16
10	34,000	47,161.58	47,161.58	38,688.92	13,161.58
11	36,400	51,974.17	51,974.17	41,800.91	15,574.17
12	38,800	57,027.4	57,027.4	44,965.71	18,227.4
13	41,200	62,333.28	62,333.28	48,185.65	21,133.28
14	43,600	67,904.46	67,904.46	51,463.1	24,304.46
15	46,000	73,754.2	73,754.2	54,800.46	27,754.2
16	48,400	79,896.43	79,896.43	58,200.22	31,496.43
17	50,800	86,345.76	86,345.76	61,664.91	35,545.76
18	53,200	93,117.57	93,117.57	65,197.14	39,917.57
19	55,600	100,227.96	100,227.96	68,799.56	44,627.96
20	58,000	107,693.87	107,693.87	72,474.89	49,693.87

Method and assumptions

Constant effective annual return, applied monthly; not a forecast.

Configurable tax on positive gains: on withdrawal or settled annually, without loss offsets.

ROI = net profit / contributions. CAGR chains returns without treating contributions as profit; excludes entry fees.

Effective annual percentage fee on balance, plus a prorated monthly fixed cost.

The annual table shows net proceeds from a hypothetical withdrawal at each date.

Keep this result, change your inputs and compare.