FREE INVESTMENT CALCULATOR · AUSTRALIA
See what regular investing could grow into.
Model compound growth in Australian dollars with weekly, fortnightly, monthly or yearly contributions. Include investment fees and inflation, then inspect every year on the chart.
- No sign-in
- No figures sent anywhere
- Clear assumptions
INVESTMENT GROWTH MODEL
Put the habit on a timeline.
Change any figure and the projection updates immediately. Nothing you enter leaves this browser.
Estimated balance after 15 yearsA$174,379Net modelled return after fees: 6.5% p.a.
You put inEstimated growth
Growth over timeScrub the chart to inspect a year
Year 15A$174,379
A$102,500 contributedA$71,879 estimated growth
ONE SMALL CHANGEWhat if you added more each fortnight?
An extra A$50 per fortnight adds A$32,317 to this modelled ending balance.
HOW TO USE IT
Start with the figures you can actually explain.
Enter what is already invested, then use the regular contribution that fits your real pay rhythm. If you are paid fortnightly, keep the calculator on fortnightly rather than converting it to a monthly guess.
- 01Add the starting amount
Use the current balance of the saving or investment scenario you want to explore.
- 02Set a repeatable contribution
Choose weekly, fortnightly, monthly or yearly—the amount should fit after essential spending and bills.
- 03Test a range, not one promise
Try lower and higher return assumptions. A useful plan should not depend on one perfect rate.
- 04Include the drag
Add ongoing percentage fees and use inflation to see an estimated value in today's purchasing power.
THE CALCULATION
How the investment projection works.
The calculator applies an equivalent return to each contribution period, adds the regular amount at the end of that period and repeats the process for the selected number of years. It calculates a second path without the annual percentage fee to estimate the fee impact.
Future valuestarting amount × growth factor + regular contributions and their growth
The displayed return after fees combines the annual return assumption and annual percentage fee as factors. Inflation is applied only to the separate today's-dollars estimate.
That is deliberately a model rather than a market simulation. Real investments change value unevenly. Distributions, tax, brokerage, buy/sell spreads and one-off fees can all change an actual outcome.
READING THE RESULT
Separate the habit from the assumption.
Total contributed is the money you put in. Estimated growth is everything above or below that amount in this model. Keeping those figures separate matters: a large ending balance can come from disciplined contributions, compound growth, or both.
Your contribution
The amount and frequency are the parts of the projection you can plan directly.
The return
A fixed annual rate makes scenarios comparable. It does not make the outcome certain.
Fees and inflation
Both can look small for one year and become meaningful across a long horizon.
AUSTRALIAN CONTEXT
What this calculator deliberately does not decide.
It does not recommend an investment, asset allocation or return assumption. Moneysmart says an investing plan should consider goals, time frame, risk tolerance, costs, tax and diversification. Higher expected returns generally come with higher risk.
Investment earnings and disposals may also have Australian tax consequences. The ATO explains that capital gains tax forms part of income tax and can apply when investments are disposed of. Check current official information or seek appropriately licensed advice for your circumstances.
COMMON QUESTIONS
Investment calculator questions, answered plainly.
Is this a compound interest calculator?
It uses compounding to model a fixed annual return and regular contributions. That makes it useful for exploring savings or investment growth, but investments do not deliver a smooth fixed return in real life.
Are investment returns guaranteed?
No. The return is an assumption you choose, not a forecast or promise. Actual investment values can rise or fall, and you may lose money.
Does the calculator include tax?
No. Australian tax depends on the investment, income, ownership, transactions and your circumstances. The result also excludes brokerage and one-off costs.
Why show fees and inflation separately?
Fees reduce the amount left compounding inside the model. Inflation does not change the projected future balance, but it changes what that balance may buy, so the calculator also shows an estimate in today's dollars.
When are regular contributions added?
At the end of each weekly, fortnightly, monthly or yearly period. The model converts the annual return and fee into an equivalent rate for that contribution rhythm.
Useful Australian sources
These pages explain compounding, investment planning, risk and tax in more detail.
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