How this calculator helps
What the calculator is for
The advanced investment calculator is useful when a gross return is not enough. It can include entry fees, management fees, tax, inflation and annual increases in monthly contributions to show the difference between nominal and real outcomes.
How the calculation works
The calculator simulates monthly contributions, growth, fees and tax. Annual assumptions are converted into monthly steps. It shows both nominal net value and real value after inflation, which matters for long-term planning.
Practical example
Example: investing CZK 5,000 per month for 25 years at a 7% gross return may look attractive. After adding a 1% fee, 2.5% inflation and tax, you can see how the real purchasing power changes.
What to watch out for
Small fee differences can have a large long-term effect. It is also important to distinguish nominal return from real return after inflation. The model does not assess any specific product, liquidity or portfolio risk.
FAQ
Why watch real value after inflation?
It shows the approximate future purchasing power, not just the nominal amount.
How do ongoing fees affect the result?
They reduce the amount that compounds every year, so their impact grows over a long horizon.
Does the calculator calculate exact taxes?
No. It is a simplified tax model, not tax advice.
When should I use the simple calculator?
Use it when you want a quick gross estimate without fees, inflation and additional details.