Savings and compound interest calculator
A starting amount, a monthly contribution, a return and a time frame: see how much of your capital comes from what you paid in, and how much comes from time.
Indicative estimate, with no contractual value. The precise calculation is made with an advisor.
Refine with an advisorHow the calculation works
- Contributions are monthly and the return is compounded every month.
- The return is assumed to be constant. In reality it varies from year to year.
- Fees, tax and inflation are not deducted: compare several returns to get a range rather than a single figure.
Frequently asked questions
Which return should I choose?
There is no single right figure. Try a cautious assumption and an optimistic one, and look at the gap. A diversified long-term portfolio usually aims for a return of a few percent a year, never guaranteed.
Why does time matter so much?
Because gains go on to earn gains of their own. Over twenty or thirty years, that share often ends up larger than what you paid in yourself: that is the effect of compound interest.
What about fees?
Fees compound too, but against you. One percentage point less in yearly fees can be worth tens of thousands of francs over a long period. To see it, simply lower the return by the amount of the fees.