How this calculator helps
What the calculator is for
The investment calculator shows how a one-time deposit and regular monthly contributions may grow over time. It is useful for a first long-term estimate, comparing different monthly amounts and understanding compound growth without spreadsheets.
How the calculation works
The expected annual return is converted into a monthly rate and regular contributions are added over time. The calculator then estimates the future value, total contributions and the difference between what you invested and the projected value.
Practical example
Example: with an initial deposit of CZK 50,000, monthly investment of CZK 5,000, a 20-year horizon and 7% expected annual return, you can see how much comes from your own deposits and how much from growth.
What to watch out for
Expected return is not guaranteed. Real investments fluctuate, returns can be negative and results are affected by fees, taxes, inflation and currency risk. The calculator is an educational estimate, not investment advice.
FAQ
What does expected annual return mean?
It is an assumed average yearly return. Actual returns can differ significantly from year to year.
Does the calculator include inflation?
The simple investment calculator does not include inflation. Use the advanced investment calculator for a broader model.
Is a higher contribution or longer time more important?
Both help. Longer time gives compound growth more room, so it can have a surprisingly strong effect.
Can I share the result by link?
Yes. The main inputs can be stored in the URL and opened again as the same scenario.