Investment return calculator

Three main reasons: this page uses a fixed annual rate, while real products float or accrue on 365/actual days; wealth products carry subscription, management and redemption fees not modelled here; and the compounding convention differs (whether a deposit earns from the day of payment or from the next interest point). This page follows the bank deposit convention: interest settles at the end of each accrual period, and added funds start earning at the next point. Good enough for the order of magnitude - for exact figures follow the product prospectus.

Monthly: interest settles each month at annual rate divided by 12. Quarterly/semi-annual/annual: each period settles at the rate (1+annual)^(1/periods)-1, the bank time-deposit convention. Note one more rule here: money put in during a month starts earning only at the next interest point - so the longer the period, the longer in-period deposits wait, but each settlement pays more. The two effects stack, so the result is not always higher-frequency-equals-higher-return: with only an opening lump the monthly compounding wins, while with monthly contributions annual or semi-annual can overtake - trust the page's own calculation.

Each row is one year: invested that year is the principal you put in that year (year one includes the opening lump), interest that year is the interest accrued within it, year-end balance is principal plus interest by the year's end. The last row's year-end balance equals the final amount at the top. The table can be copied wholesale or downloaded as CSV.

No. This page computes the savings/contribution direction (money growing over time); loans and mortgages are repayment amortisation - equal total payments or equal principal - with different logic. Use the mortgage calculator in the same category.

No. Everything is pure computation inside the browser: zero network requests, no amounts stored anywhere, reloading clears it.