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Net investment return

Capital, contributions, tax and inflation

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HOW IT WORKS

A result to understand, not just read.

Project an investment with starting capital, regular contributions, return, tax and inflation. Nominal and real results are kept separate so purchasing power is not hidden.

    FREQUENTLY ASKED QUESTIONS

    How does net investment return work?+

    Capital and contributions compound at the chosen rate; estimated tax is applied to gains according to the inputs, and inflation discounts the final purchasing power.

    What should I check before relying on the result?+

    Market returns, taxes, fees and inflation are uncertain. The calculator does not assess risk, suitability or investment products.

    RESULT GUIDE

    How to use net investment return

    Project an investment with starting capital, regular contributions, return, tax and inflation. Nominal and real results are kept separate so purchasing power is not hidden.

    01 · FORMULA

    Calculation method

    Vₙ = (C₀ + Σvₜ) × (1 + r)ᵗ − T

    Capital and contributions compound at the chosen rate; estimated tax is applied to gains according to the inputs, and inflation discounts the final purchasing power.

    02 · WORKED EXAMPLE

    Practical example

    • Try a starting amount, monthly contribution, ten-year horizon and both conservative and optimistic return assumptions.
    The result separates contributions, gross growth, estimated tax, nominal value and inflation-adjusted value.

    Market returns, taxes, fees and inflation are uncertain. The calculator does not assess risk, suitability or investment products.

    03 · HOW TO READ IT

    How to interpret the result

    • Compare several return and inflation scenarios instead of treating one projection as a forecast.
    • Change one input at a time to understand which assumption has the greatest effect on the result.
    04 · LIMITS

    What the estimate does not include

    • Market returns, taxes, fees and inflation are uncertain. The calculator does not assess risk, suitability or investment products.
    • Use the result as a planning aid and confirm sensitive financial, health or animal-care decisions with the relevant document or qualified professional.