Investment Calculator: Simulate Your Money Growth

An investment calculator helps you turn assumptions into realistic projections.

Instead of guessing, you can test scenarios and make clearer decisions.

Use the tool here: Investment Simulator.

Inputs That Matter Most

1. Initial capital
2. Monthly contribution
3. Expected annual return
4. Investment horizon (years)

Why This Is Powerful

Compounding is non-linear. Small monthly contributions can become meaningful capital with time.

Example Scenarios

Scenario A

• initial: €5,000
• monthly: €200
• return: 7%
• horizon: 20 years

Scenario B

• initial: €0
• monthly: €350
• return: 7%
• horizon: 30 years

Compare both and you will see how contribution size and horizon interact.

How to Use Simulation Results

• stress-test optimistic assumptions
• check if goals are realistic
• adjust savings rate or timeline
• align risk with horizon

Common Mistakes

• using very optimistic returns
• forgetting inflation impact
• ignoring tax and fee drag
• changing strategy every few months

Related Guides

• How Much Should You Have Invested by 30, 40 and 50?
• ETF Guide

Conclusion

Simulation does not predict the future, but it improves decision quality.

Use it to build a plan you can execute consistently over many years.