Make your assumptions visible.
Explore a hypothetical savings path. Choose the inputs yourself; no market forecast or allocation recommendation is provided.
Year-end nominal balance. A smooth path assumes constant returns; real markets fluctuate and losses are possible.
Formula and limitations
Net annual rate = gross return minus fee drag. Monthly rate = (1 + net annual rate)^(1/12) - 1. Starting with the initial amount, each month: balance = previous balance × (1 + monthly rate) + monthly contribution. Contributions arrive at month-end.
Purchasing-power result = final balance ÷ (1 + annual inflation)^years. Total paid in = initial amount + monthly contribution × 12 × years. Fee comparison uses the same gross rate with fee drag set to zero.
This simplified constant-return model omits taxes, transaction costs, changing fees, withdrawals, currency movements and the order of actual market returns. Inflation adjustment uses the final balance only and does not compare the present value of contributions. User inputs are not estimates supplied by the site.