Notitia
Compound interest means that one year’s gains earn gains of their own in the following years. Over 5 years the effect is small; over 25 years it becomes the main source of wealth in a savings plan.
The gap between the two lines is compounding at work: it widens every year because interest earns interest.
Calculated in your browser, nothing is stored. Education, not investment advice.
This calculator works month by month on an investment fed by a starting capital and regular contributions, after annual fees.
More than half of the final capital comes from interest, not from contributions.
Doubling the time does far more than double the interest: at 6%, €10,000 becomes about €17,900 in 10 years but €57,400 in 30 years. Starting early, even with small sums, is the strongest lever.
One point of fees a year looks small. Over 30 years it still removes about a quarter of the final capital. Always compare the total fees of a fund, a life insurance policy or an ETF.
Dividing 72 by the annual rate gives roughly the number of years to double your money: at 6%, about 12 years; at 8%, about 9 years.
No. It is an assumed average return. Stocks have done better over long periods, with deep falls along the way; a capital-guaranteed fund earns less, without losses.
Yes: to think in purchasing power, take inflation off the return. At a 6% return and 2% inflation, the real return is about 3.9%.