📈 Investment Calculator

Project the future value of your investments and see how much you could earn.

Investment Details

Initial Investment (A$)

Monthly Contribution (A$)

Expected Annual Return (%) The average yearly return you expect on your investment.

Investment Period

Total Value

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Total Contributed — Total Earnings —

Breakdown

Initial Investment—

Monthly Contributions—

Investment Earnings—

Final Balance—

GUIDE

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The Power of Regular Investing

Investing a fixed amount every month smooths out market volatility (dollar-cost averaging) and helps you earn stable returns over the long term.

Diversification

Spreading your investment across several asset classes reduces risk while pursuing steady returns.

Investment Horizon

The longer your investment period, the greater the compounding effect and the less you are affected by short-term market swings.

Realistic Returns

Historical average stock-market returns are around 7-10% per year. Set realistic expectations when planning.

Minimise Costs

Choosing low-fee index funds can meaningfully improve your long-term returns.

Automate Your Investing

Setting up automatic transfers turns investing into a habit and helps you avoid emotional decisions.

Frequently asked questions

Why is monthly contribution investing effective?

Investing a fixed amount each month averages your purchase price (dollar-cost averaging), reduces the impact of market volatility, and lets compounding work over the long term.

How do I choose an expected return?

Long-term average stock-market returns are around 7-10% per year. For a conservative plan, use 5-7%.