Investing & Finance

ETF calculator

Estimate ETF end value from starting capital, savings rate, expected return, fees and investment term.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

Starting capital

Monthly savings rate

Investment duration in years

Expected annual return

TER / ongoing costs

Inflation optional

Deposit time

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Examples

Typical calculations

10,000 euros starting and 250 euros monthly.

Classic ETF plan

Final capital: €151,173.99

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Without start-up capital, 150 euros per month.

Savings plan only

Final capital: €42,618.40

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50,000 euros and 500 euros per month.

Greater wealth

Final capital: €193,278.88

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FAQ

Frequently asked questions

What does TER mean?

The TER are ongoing fund costs. In the calculator they are taken into account as a deduction from the expected return.

Is the return guaranteed?

No. The calculator works with an assumed average return.

Why is there a difference between the beginning of the month and the end of the month?

When deposited at the beginning of the month, the money works in the market for a month longer.

What does the inflation-adjusted value show?

It estimates the purchasing power of the final capital assuming inflation.

Can I count on it without starting capital?

Yes, just set the starting capital to 0 euros.

Related calculators

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Sources and notes

Rule status and context

methodology: Monthly simulation with net return after deducting the TER.
Note: Capital market returns are uncertain; the result is not a forecast.