Compound interest calculator
See what regular saving can grow into over time, and how much fees quietly take.
How the compound interest calculator works
Enter what you have now, what you add each month, how many years you plan to invest, an expected yearly growth rate and the yearly fees you pay. Growth is added monthly, and fees are taken off the growth rate, which is how most fund and platform charges work in practice.
The chart shows three lines: what you pay in (grey), your pot after fees (green) and what it would have been with no fees (dashed red). The gap between the last two is what fees cost you.
What growth rate should I use?
Nobody knows future returns. Many people use 4% to 7% a year as a long-term illustration for diversified investments, before inflation. Try a few rates to see a range, and remember that real returns go up and down, and you can get back less than you put in.
Why fees matter so much
A fee is charged on your whole pot, every year, so it compounds against you. On €200 a month for 30 years at 7%, a 1% yearly fee costs about €43,000. Try changing the fee field to see it for yourself.
Read next: Compound interest explained: what €200 a month really becomes.