Compound Growth Calculator
See how a starting investment, regular contributions, time, returns and fees may work together—and how small changes can reshape your long-term result.
Build your compound-growth projection
Your assumptions
Use realistic planning assumptions and review several scenarios rather than relying on one forecast.
See how assumptions change the result
| Scenario | Net annual return | Projected value | Real value |
|---|
Four ways to improve the projection
Increase contributions
Even a modest regular increase can materially affect the long-term outcome.
Give it more time
Compounding generally becomes more powerful over longer periods.
Review portfolio efficiency
Return assumptions, diversification and risk should fit the plan—not chase a headline number.
Control fees and drag
Fees reduce the return that compounds, so small annual differences can accumulate.
Move from lifestyle cost to a funded plan
Growth planning beyond the headline number
Retirement planning guide
Connect capital growth to retirement income, inflation, healthcare and legacy planning.
Read the guide →Thailand cost of living
Set a lifestyle target before deciding how much capital may be required.
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Use the projected value to test whether you are closing the retirement gap.
Measure the gap →Portfolio review
Discuss realistic return, risk, fee and contribution assumptions with Lawrence.
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Compound growth calculator FAQs
Is this a guaranteed forecast?
No. It is an illustration based entirely on the assumptions entered. Actual returns, fees, inflation and contribution patterns will vary.
Why are fees deducted from the return?
Because the return that compounds for the investor is the return remaining after ongoing fees and costs.
Why show an inflation-adjusted value?
A future amount may buy less than the same nominal amount buys today. The real-value figure helps put the result into today’s spending terms.
Should I use one return assumption?
No. A cautious, expected and higher-return range is more useful than relying on one figure.
Does the calculator include tax?
No. Tax treatment depends on personal circumstances and jurisdiction and requires separate professional advice.
How often should I review the plan?
At least annually, and whenever income, contributions, goals, market conditions or personal circumstances change materially.