Investment Calculator
Calculate compound interest, future value of savings, and plan your wealth growth.
How to use the Investment Calculator
Understanding the power of compound interest is the first step toward building financial independence. This tool helps you visualize how regular contributions and market returns work together over time. Whether you're planning for retirement, a home purchase, or long-term wealth, our calculator provides the projections you need to stay on track.
How it calculates
FV = Future Value | PV = Initial Deposit | r = Annual interest rate | n = Number of times interest compounds per year | t = Time in years
| Example | Investment Details | Future Value |
|---|---|---|
| One-time €10k Deposit | €10,000 for 10 years at 7% | €20,096.61 |
| Monthly Savings | €200/mo for 20 years at 5% | €82,206.73 |
| Retirement Seed | €50,000 for 30 years at 8% | €546,785.42 |
Everyday examples
👶 Child's Education Fund
Estimate how much saving €100 every month from the day your child is born will grow into by their 18th birthday.
🏖️ Retirement Planning
See how much you need to contribute monthly to reach a specific target, like €1,000,000, by age 65.
💹 Stock Market Growth
Model a diversified index fund portfolio by using an average 7-10% historical annual return rate.
☕ "Coffee" Savings
Visualize what happens if you invest that €5 daily coffee money into a compound interest account instead over 10 years.
💰 Bonus Investment
Project the value of a one-time work bonus if it's left to grow in a tax-advantaged account for 25 years.
💸 Inflation Impact Check
Understand why simply keeping cash in a 0% account means your purchasing power actually shrinks every year.
Key Investment Terms
Compound Interest
Interest calculated on the initial principal and also on the accumulated interest of previous periods.
Inflation Rate
The rate at which the general level of prices for goods and services is rising and purchasing power is falling.
Management Fee
A charge levied by investment managers for managing an investment fund, typically as a percentage of assets.