Model an ETF savings plan with fees

ETF Compound Interest Calculator

Combine a starting amount, monthly investments, gross return, fund expenses and inflation to understand a long-term scenario.

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Free to use

ETF savings plan

The constant return is an assumption; actual market returns vary.

Your projected result

Ending value after fees—

Your contributions—

Growth after fees—

Fee impact—

Value in today's money—

ETF value and contributions

ETF valueContributions

Year-by-year ETF projection

Year-by-year ETF projection
Year	Contributions in year	Growth in year	ETF value

Separate market return from fund cost

The gross return and expense ratio are applied as separate annual factors. The fee impact includes both the cost and the compound growth that money could have earned.

How the calculation works

The calculator applies the values in chronological order and keeps deposits, withdrawals and calculated growth separate. This makes the result easier to audit.

Formula used

annual net factor = (1 + gross return) × (1 − TER)

Assumptions and limits

Rates stay constant for the whole scenario. Taxes, product rules and market volatility are excluded unless the tool explicitly includes them.

How to use the result

Treat the output as a comparison of assumptions. Change one input at a time and compare the final balance, cash flows and growth.

How the calculation works

Is the sensitivity range a forecast?

No. It shows the same cash flows at a lower and higher constant return so you can see how strongly the assumption affects the result.

Is this a forecast?

No. It is an educational calculation based on the values you enter.

Can I compare scenarios?

Yes. Change one assumption at a time and compare the final balance and yearly table.

Are taxes included?

No, unless the page explicitly says otherwise.