Investment Growth

Use this tool to compare two return scenarios side by side and see how small annual differences can become meaningful over the long term. It is helpful when you want to understand whether fees, better discipline, or a slightly stronger portfolio return can really change the end result. It is best used as a comparison helper, not as a promise of future performance.

Start amountMonthly contributionYearsScenario A return %Scenario B return %

Advanced

All-in annual drag % (fees)Tax drag %/year (approx)Contribution increase %/year

Yearly breakdown (CSV)

Assumptions

Constant returns (two scenarios) compounded monthly.
Contributions are added at the start of each month.
Net return is approximated as (return − drag − tax drag). If you set contribution growth, monthly contributions increase once per year.
Does not include taxes, broker fees, or ETF TER.