InsiderFlow › Tools › Compound interest calculator
Enter your starting capital, monthly contribution, expected return and duration: the calculator shows year-by-year growth, separating what you contributed from what interest generated.
Indicative calculation for educational purposes: not a forecast nor financial advice.
Compound interest generates gains on previously earned gains: that's why the curve accelerates over the years. A 7% annual return doubles your capital roughly every 10 years (rule of 72).
The return should be read gross of taxes and inflation: as a reference, global equities have historically returned 6–8% real per year over long horizons. No return is guaranteed.
For a global equity portfolio, 6–8% a year is the long-term historical average; for balanced portfolios, 4–6% is more realistic. Past performance doesn't guarantee the future.
No: the result is gross. Capital gains taxes and inflation both reduce your real outcome.