Simulate wealth accumulation: compound interest, inflation, final portfolio with interactive charts.
Accumulating: returns are reinvested automatically (already part of the compound interest).
Final value
104.185 EUR
Contributions
48.000 EUR
Compound interest
56.185 EUR
Return factor
2,17x
117,05% gain
+1 % return (8 % instead of 7 %): your final value would be 117.804 EUR instead of 104.185 EUR — that is 13.619 EUR more.
| Year | Contributions | Portfolio value | Compound interest |
|---|---|---|---|
| 0 | 0 EUR | 0 EUR | 0 EUR |
| 5 | 12.000 EUR | 14.319 EUR | 2.319 EUR |
| 10 | 24.000 EUR | 34.617 EUR | 10.617 EUR |
| 15 | 36.000 EUR | 63.392 EUR | 27.392 EUR |
| 20 | 48.000 EUR | 104.185 EUR | 56.185 EUR |
A savings plan grows through regular contributions and compound interest. The tool projects the final value from a one-off sum, monthly savings and an expected return.
Formula
FV = P0·(1+r)^n + R · ((1+r)^n − 1) / r (r = period return, n = number of periods, R = rate per period)
Example
P0 = 10,000 €, R = 200 €/month, 7%/yr over 20 years → ≈ 145,000 € (≈ 58,000 € contributions).
Notes
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