Growth simulator
See how regular investing compounds over time.
See your money grow
A quick projection of compound growth over 30 years — adjust the numbers to see the snowball effect.
In 10 years
In 20 years
In 30 years
Projection based on a constant rate — actual returns vary.
Quick insights
3 newComputed from your inputs · no account dataGrowth overtakes your deposits
By year 30, €74,307 of the €129,307 total is pure compounding — more than everything you paid in.
Time beats amount
Adding a few more years lifts the final figure more than a similar bump to your monthly contribution would.
Returns are an assumption
5%/yr is a smooth average. Real markets swing year to year — treat this as a direction, not a promise.
How this works
Each month we grow the balance by one-twelfth of your expected annual return, then add your contribution. Compounding those monthly steps for the whole horizon produces the curve.
The filled area is your portfolio value; the line is the money you actually put in. The widening gap between them is compounding — returns earning returns.