Interactive, high-precision capital growth and inflation modelling.
Before tax, fees and investment costs. Figures are illustrative and based on the assumptions shown.
• Growth: The model applies the selected nominal annual rate using the selected compounding frequency.
• Contributions: Recurring contributions are applied at the selected frequency and can be made at the beginning or end of each period.
• Annual Contribution Increase: Recurring contributions increase by the selected percentage after each completed 12-month period.
• Inflation: Real purchasing power is calculated by discounting the nominal balance using the selected annual inflation assumption.
• Exclusions: The model does not account for tax, platform fees, fund charges, transaction costs or investment volatility.
Yearly portfolio breakdown.
| Year | Growth Added | Total Growth | Annual Contributions | Ending Balance (Nominal) | Real Value (Adjusted) |
|---|
The Compound Interest Engine models how an initial investment and recurring contributions can grow over time. It accounts for compounding, contribution timing, contribution increases and inflation to show both the projected nominal balance and its equivalent purchasing power in today's terms.
Determines how frequently growth is applied to the balance. More frequent compounding can produce a slightly higher effective annual return when the nominal rate remains constant.
Increases your recurring contribution by a fixed percentage each year. This can be used to model rising income, planned increases in saving or contributions that broadly track inflation.
Shows the estimated future balance in terms of today's purchasing power by discounting the nominal portfolio value using the selected annual inflation assumption.