Fund and regular investing
Compare monthly contributions, management cost and assumed returns.
Your results
Enter values to calculate.
This is a scenario calculation, not a bank offer or personal investment advice. Returns are not guaranteed; fees, taxes and rates may change the outcome. Verify current terms before acting and do not base a financial decision solely on this result.
Inputs are sent to the server for calculation; only budget plans you choose to save are stored in your account.
Calculation method
Annual return minus management cost becomes an effective monthly rate. Contributions arrive at month end; tax applies to positive gains at the end.
r = (1 + (return−fee)/100)^(1/12) − 1; V_next = V × (1+r) + contributionAssumptions and limits
No live fund price, statutory tax treatment or historical stock return is used. Returns are not guaranteed.
Sources
Worked example
- Principal
- 10,000.00
- Monthly contribution
- 200.00
- Annual rate (%)
- 6.00
- Annual management cost (%)
- 1.00
- Number of years
- 10.00
- Tax on gains (%)
- 0.00
Total contributed34,000.00