ETF Growth Calculator

What could €100 a month turn into?

Move the sliders and see what time, monthly payments and fund costs do. It’s a hypothetical example, not a forecast, and if you enter a bad market, the result goes down too.

Growth over time Cost of waiting

How much you invest each month€

How long you keep investingyrs

Assumed yearly return, before fund costs%

Your assumption, not a forecast. Markets can swing a lot from one year to the next. Try a lower number too.

More settings Starting amount, fund costs, inflation and yearly increases

Money you start with€

Already have savings to put in? Enter them here. Otherwise use 0.

Fund cost (TER)%

The TER is the fund’s yearly running cost. Broad index ETFs often charge 0.1% to 0.3%.

Inflation%

Used for the “today’s money” view: what the result would buy at today’s prices.

Raise the monthly amount each year%

For example when your salary goes up. Applied from year 2.

Estimated value after 25 years

€0

Paid in

€0

Growth

€0

Effect of fund costs

€0

In today’s money

€0

Paid inGrowthDeclineComparison

For educational purposes only. Results are estimates based on the assumptions shown. They are not financial, investment or tax advice. Actual outcomes may differ, and investments can lose value.

Rules year: none needed (mathematics only)Last tested: 20 October 2026

Assumptions and limits

The return is an effective yearly rate. 6% a year compounds to exactly 6% a year.
Monthly payments are added at the end of each month. The starting amount is invested at the start.
The fund cost is taken from the return each year: net factor = (1 + return) × (1 − TER).
“Effect of fund costs” is the difference to the same plan with zero costs. It includes the growth those costs would have earned, so it is more than the fees themselves.
Not included: taxes, order fees, spreads, tracking difference and currency effects.
“Today’s money” divides each value by inflation to show buying power at the start.

Yearly breakdown

Yearly projection
Year	Paid in	Growth	Effect of costs	Total	Today’s money

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What could €100 a month turn into?

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