Investment Calculator
Plan your portfolio, calculate returns and compare investment scenarios
01
Investment Parameters
Capital & Horizon
yrs
One-time initial investment only.
Return Adjustment
–5% (pessimistic)+5% (optimistic)
Options & Taxes
Capital Gains Tax
Adjust rate to your country
%
Custom rate
Adjust for inflation
Real purchasing power (2.5% p.a.)
Dividend reinvestment (DRIP)
Automatic reinvestment of payouts
Fund fees (TER)
Typical annual ETF cost: 0.07–0.5%
Compare with bank deposit
Show results for 3.5% p.a. deposit
IKE / IKZE simulation
Compare standard account vs IKE vs IKZE
02
Portfolio Builder
Portfolio Composition
No instruments — click "Add instrument"
03
Forecast Results
Capital growth over time
Portfolio
Deposit
What is the capital growth chart?
This chart shows how your portfolio value changes over time, accounting for contributions, compound interest and taxes. The amber line is your portfolio, the blue line is a bank deposit for comparison. The gap between them shows your portfolio's advantage over the deposit.
Portfolio composition
What is the portfolio composition chart?
The pie chart shows the percentage weight of each instrument in your portfolio. Each colour represents one instrument. It helps you quickly see whether your portfolio is well diversified or dominated by a single asset.
Scenario comparison
What is the scenario comparison?
Three scenarios show possible outcomes at different return rates: pessimistic (–3%), base (expected) and optimistic (+3%). They help assess the range of results and prepare for different market conditions.
Portfolio Risk Assessment
What is the portfolio risk assessment?
The risk indicator (1–5) shows how volatile your portfolio value is. It is calculated from the weighted volatility of instruments. Low risk (1–2) means stable but lower returns. High risk (4–5) means potentially higher gains but also larger swings and possible short-term losses.
Monte Carlo — 1,000 paths
with crash and volatility modelling
Range P10–P90
Range P25–P75
Median (P50)
Deterministic
What is Monte Carlo simulation?
Monte Carlo runs 1,000 random investment paths, simulating different market scenarios — including crashes. The golden band shows the P10–P90 range (80% of simulations fall within it). The narrower inner band is P25–P75. The dashed blue line is the classic deterministic result without randomness. A wider band means greater uncertainty in your investment outcome.
Historical Crashes — Portfolio Impact
Yearly Breakdown
| Year | Deposited | Portfolio value | Gross profit | Tax | Net profit | ROI |
|---|
What is the yearly breakdown?
The table shows year by year: total contributions, portfolio value, gross and net profit after tax, and ROI (return on invested capital). The "Real value" column appears when inflation is enabled and shows the purchasing power of future funds in today's money.
Legal disclaimer: All information, calculations and projections presented on this page are for educational and informational purposes only. They do not constitute investment advice, a recommendation to buy or sell any financial instruments. Past performance is not a guarantee of future results. Investing involves the risk of losing part or all of the invested capital. Before making investment decisions, please consult a licensed financial advisor.