Investment calculator with variable deposits
How much can your investment grow to if you start with a lump sum and invest every month? Here you can change the deposit along the way. For example, set a low amount during your student years, raise it later, or add a period without new deposits.
The return rates in the examples are calculation examples, not an expectation.
Adjust your monthly savings over several periods
Enter your starting amount, price growth and dividend. Then add periods with a monthly amount and a number of years. The calculator adds up the years and carries the whole investment forward each time a new period begins.
From 500 to 4,000 a month
A savings plan can start with 50,000 at age 15. If you deposit 500 a month for three years, 1,500 for the next seven years and 4,000 for a further 20 years, the plan runs until age 45. By then you have deposited 1,154,000 yourself, including the starting amount. Returns are added or subtracted, depending on the chosen percentages.
You can also let the deposit rise or fall by a fixed percentage each year within a period. If you choose 0 a month, you pause the deposits while the money stays invested.
How returns and reinvestment are calculated
Dividends are reinvested. Price growth and dividends are added together into an assumed annual return, which is spread evenly over the months. Deposits are added at the end of the month. If your return already includes dividends, the dividend field should be set to 0%.
The chart separates your own deposits from the calculated value of the investment. The yearly table shows when you deposit the money and how much of the development comes from returns. The result is before tax, costs and inflation. The model uses fixed return percentages; real investments fluctuate from year to year.
Compare with a fixed deposit
Use the monthly savings calculator if the amount is the same all the way. If you want to compare paid-out and reinvested dividends, that calculation is found under dividend reinvestment.