Investment Growth Calculator

Shows how a lump sum and monthly contributions could grow, after fees and inflation.

Starting amountMonthly contributionYearsExpected return (% a year, before fees)Total annual fees (%)Fees matter: 1% a year can cost a large share of long-term growth.

About R318 941

You pay in R121 000; growth adds about R197 941. Not a promise: markets go up and down.

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What you will need

Starting amount (R)
Monthly contribution (R)
Years (years)
Expected return per year before fees (%)
Total fees per year (%)
Inflation per year (%)
Increase contributions each year by (%)

How it works

net_return = gross_return - annual_fees; r = net_return/100/12; n = years*12. Monthly loop with contribution escalated each 12 months. fv_nominal = lump_sum*(1+r)^n + contributions grown. total_contributed = lump_sum + sum(contributions). growth = fv_nominal - total_contributed. fv_real = fv_nominal / (1+inflation/100)^years. fees_cost = fv(gross_return) - fv(net_return). Show: 'Returns are not promised. Investments can go down as well as up.'

What you get

Estimated value
In today's money
Total you put in
What fees cost you over this time

What it means

Fees take a large bite over time; compare total investment costs before you choose a product.
At this return your money barely keeps up with inflation.

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Runs on the device. Nothing is saved unless the member chooses.