Data Savvy Finance — Tools
Investment Growth Calculator
Model long-term portfolio growth with consistent compounding. Both principal and contributions use the same frequency, keeping the formula mathematically rigorous.
This calculator is for educational purposes only and does not constitute financial advice. All projections are the mathematical output of a compounding formula applied to values you enter. The calculator does not use historical market data. Projected results depend entirely on the assumptions you provide, including your chosen return rate and time horizon, and will not reflect actual investment outcomes, which are subject to market volatility, fees, taxes, and other factors not modelled here. Consult a registered financial adviser before making any investment decisions.
Growth Parameters
$1K$500K
0.5%15%
1 yr50 yrs
$
%
Monthly
Quarterly
Annually
Both principal and contributions use the same compounding frequency — consistent with the standard formula A = P(1+r/n)nt + C×((1+r/n)n−1)/(r/n). Return is gross before fees. Net = Gross − MER.
Fees & Contributions
0%3%
ETF ~0.20%
Balanced ~0.50%
Mutual ~1.50%
Active ~2.25%
Gross return minus MER. This is the rate that actually compounds in your portfolio each year.
Add regular contributions
$0$5,000
Selecting a contribution frequency automatically syncs the compounding frequency above.
Results (After Fees)
Net Future Value
—
Total Invested
—
Net Growth
—
Total Fee Cost
—
Portfolio Breakdown
Principal
Contributions
Net Growth
Fee Drag
Fee Drag Impact
Wealth Destroyed by Fees
$0
Growth Over Time
Net growth (after MER)
Gross growth (no fees)
Fee drag area
Gross (no fees)
Net (after MER)
Fee cost to date
Total invested