How to use this tool
- Enter your own confirmed figures or use the labelled fictional example.
- Calculate, compare the breakdown and check the assumptions below.
- Copy or download the result, or print it for your own records.
How the calculation works
The annual return you enter is treated as an effective annual rate, converted to a monthly growth factor. Fixed nominal contributions arrive at month-end. Inflation discounts each annual balance into today’s purchasing power. Negative returns are supported.
Useful limits to know
This is a constant-return scenario, not an investment forecast. Enter returns after any tax and fees you intend to allow for. There is no market volatility, changing contribution, product rate, tax calculation or guarantee.
Common questions
Is it free?
Yes. There is no account, subscription or payment form for this tool.
Are the example rates current offers?
No. Examples are fictional scenarios, not quoted products or forecasts. Enter confirmed figures and review the assumptions before relying on a result.
Does it connect to my bank or investment account?
No bank or investment account is connected. This is an illustrative browser calculation.
Sources and credits
MoneySmart compound interest ↗
Implementation and source links checked 26 October 2026. This is an independent tool; the sources do not endorse Elaris.