Try:Rough historical ranges — your assumption, not a prediction or advice.
Verwachte waarde
Je zet in
Groei
≈ in today’s money 🛈
At year ·
· you’d have put in , growth added .
Drag across the chart (or use ← → keys) to read any year.
Geld dat je hebt ingestort Groei
See the key milestones (every 5 years)
Year
Put in
Groei
Balance
Try:Rough historical ranges — your assumption, not a prediction or advice.
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What you keep Lost to fees — and the gap grows every year
Add 2–3 funds to see, side by side, what the same amount might become if each repeated its last-12-months return every year — a rough illustration, not a forecast.
Try a quick comparison:
…or add a popular one:
How this works: an educational scenario, not a forecast. We compound monthly and add your monthly amount each month. “Expected annual return” is your own assumption — pick a cautious one; real markets are bumpy and can fall. “Adjust for inflation” simply restates the result in today’s spending power. The fee figure includes the yearly fund fee (TER) and the growth those fees would otherwise have earned. The fund comparison repeats each fund’s last-12-months return every year — a rough illustration only, which real funds never do. Not advice.
How the calculators work
How does compounding actually grow my money?
Compounding means your growth earns its own growth. Each year, any gains stay invested and can grow too, so the total snowballs — slowly at first, then faster the longer you leave it. That is why starting early often matters more than starting big.
Why does a small yearly fee matter so much over time?
A fund fee (the TER) is charged every year on your whole balance, in good years and bad. Money paid in fees is also money that never gets to compound. Over decades, even a fraction of a percent can add up to a meaningful slice of the final pot — which is what the fees tab shows.
What return should I put in?
That number is your own assumption, not a prediction. Many people try a cautious figure and then a more hopeful one to see the range. Real markets are bumpy and can fall, so it is worth seeing how the result changes if growth is lower than you hoped.
Is this a prediction of what I will get?
No. It is an illustration that compounds a steady assumption every month. Real returns vary year to year and you can get back less than you put in. Use it to understand how the pieces — amount, time, return and fees — pull on the result, not as a forecast.
What does “adjust for inflation” do?
It restates your future pile in today’s spending power, because prices tend to rise over time. The headline number stays the same; the dashed line and the “in today’s money” figure show roughly what it could buy in today’s prices.
Finance Hamster provides educational information about ETFs and investing. It is not investment, tax, or legal advice, and not a recommendation to buy or sell any security. Markets carry risk; do your own research or consult a licensed adviser.
