Free online tool
Logifin's advanced calculator: beyond future value, it shows the real purchasing power after inflation, the cost of ETF fees and the moment compounding truly takes over.
How to use it
Fill in your details
Enter your starting amount, monthly contribution, expected return and TER.
Read the results
Compare the nominal with the real value and spot the crossover year.
Keep the calculation
Save it to your plan or share the link in one click.
Your numbers
The result
Future Value (Nominal)
€541,658.05
At the end of the period
Total Contributions
€155,000.00
Money you put in
Investment Gains
€386,658.05
Future value minus contributions
Future Value (Real)
€330,157.30
In today's €, after inflation
Real Gains
€175,157.30
After inflation
Estimated TER Impact
€15,923.17
Cumulative ETF fees
Compound Crossover i
Year 15 (~month 173)
Contributions grow steadily, gains start low and climb faster and faster.
The Crossover is the year the green line passes above the gold one: from then on, the money works harder than you do.
The dark line is the amount your account will show at the end of each year.
The gold line is what it will really buy in today's euros: the gap between the two lines is the purchasing power that inflation eats away.
The same numbers that feed the two charts, year by year.
| Year | Contributions | Value (nominal) | Gains | Gains this year | Value (real) | Cumulative TER |
|---|---|---|---|---|---|---|
| 1 | €11,000.00 | €11,667.23 | €667.23 | €667.23 | €11,438.47 | €14.08 |
| 2 | €17,000.00 | €18,911.55 | €1,911.55 | €1,244.32 | €18,177.19 | €41.64 |
| 3 | €23,000.00 | €26,782.90 | €3,782.90 | €1,871.35 | €25,238.13 | €84.94 |
| 4 | €29,000.00 | €35,335.56 | €6,335.56 | €2,552.66 | €32,644.59 | €146.51 |
| 5 | €35,000.00 | €44,628.49 | €9,628.49 | €3,292.93 | €40,421.40 | €229.23 |
| 6 | €41,000.00 | €54,725.77 | €13,725.77 | €4,097.28 | €48,594.92 | €336.32 |
| 7 | €47,000.00 | €65,697.02 | €18,697.02 | €4,971.25 | €57,193.21 | €471.42 |
| 8 | €53,000.00 | €77,617.89 | €24,617.89 | €5,920.87 | €66,246.12 | €638.59 |
| 9 | €59,000.00 | €90,570.57 | €31,570.57 | €6,952.68 | €75,785.41 | €842.43 |
| 10 | €65,000.00 | €104,644.38 | €39,644.38 | €8,073.80 | €85,844.84 | €1,088.07 |
| 11 | €71,000.00 | €119,936.34 | €48,936.34 | €9,291.96 | €96,460.36 | €1,381.25 |
| 12 | €77,000.00 | €136,551.90 | €59,551.90 | €10,615.56 | €107,670.24 | €1,728.42 |
| 13 | €83,000.00 | €154,605.62 | €71,605.62 | €12,053.72 | €119,515.17 | €2,136.78 |
| 14 | €89,000.00 | €174,221.98 | €85,221.98 | €13,616.36 | €132,038.48 | €2,614.38 |
| 15Crossover | €95,000.00 | €195,536.23 | €100,536.23 | €15,314.26 | €145,286.30 | €3,170.21 |
| 16 | €101,000.00 | €218,695.34 | €117,695.34 | €17,159.11 | €159,307.71 | €3,814.30 |
| 17 | €107,000.00 | €243,859.00 | €136,859.00 | €19,163.65 | €174,154.96 | €4,557.84 |
| 18 | €113,000.00 | €271,200.69 | €158,200.69 | €21,341.69 | €189,883.70 | €5,413.29 |
| 19 | €119,000.00 | €300,908.94 | €181,908.94 | €23,708.26 | €206,553.15 | €6,394.55 |
| 20 | €125,000.00 | €333,188.60 | €208,188.60 | €26,279.66 | €224,226.38 | €7,517.09 |
| 21 | €131,000.00 | €368,262.22 | €237,262.22 | €29,073.62 | €242,970.51 | €8,798.11 |
| 22 | €137,000.00 | €406,371.65 | €269,371.65 | €32,109.42 | €262,857.04 | €10,256.75 |
| 23 | €143,000.00 | €447,779.64 | €304,779.64 | €35,407.99 | €283,962.11 | €11,914.28 |
| 24 | €149,000.00 | €492,771.69 | €343,771.69 | €38,992.06 | €306,366.75 | €13,794.34 |
| 25 | €155,000.00 | €541,658.05 | €386,658.05 | €42,886.35 | €330,157.30 | €15,923.17 |
Your scenarioi
Nominal value €541,658 · real €330,157 · Crossover in year 15
Your data stays yours
Everything happens inside your browser. Nothing is sent and nothing is stored with us: Logifin has no user accounts and never sees your numbers.
Want to continue on another device? Copy the calculation link and open it wherever you like. The calculation travels inside the link itself, not through us.
What is included
Real value
Next to the amount your account will show, you also see what it will really buy after inflation.
TER cost
The yearly cost of the ETF comes off every month, and you see separately how much it cost you in total.
Compound Crossover
The year your gains overtake what you have paid in from your own pocket. From then on, the money works for you.
Contribution timing
You choose whether the money goes in at the start or the end of the month, and you see the difference.
Detailed table by year
Contributions, value, gains, real value and cost, year by year.
Two charts
One for how contributions and gains grow, one for the value before and after inflation.
Notes on every field
Every field has a short explanation and, where it helps, typical values to start from.
Calculation link
The whole scenario travels inside the link. Open it on another device and it is there.
Save to My Plan
You keep the scenario under the name you want, only on your own device.
Tested model
The calculations are checked automatically so that they give exactly what the Logifin Excel gives.
How to read it
The calculator produces six amounts and one year: here is what each measures and how to read it.
The nominal value is the amount your account will show at the end. The real value is what you will be able to buy with it, once you take away the inflation of all those years. The gap between the two lines on the chart is the purchasing power lost along the way.
The cost of the ETF is not only the amounts taken off every year. It is also the gains those amounts never got the chance to bring in. That is why the total cost grows much faster as the horizon gets longer.
It is the year your total gains overtake what you have paid in from your own pocket. From then on, the money works harder than you do. It is a milestone of compounding, not a forecast for the market.
The COMPASS guide →If you put the money in at the start of the month, every contribution earns one more month of return. The difference is small at first, but over 20 or 30 years it becomes noticeable.
The RHYTHM guide →
Premium
The calculation in your own sheet: open it wherever you like, show it to whoever you like.
Your own file, forever: it opens offline and you change it as you like.
Nowhere. The calculation happens as you type, inside the page. When you close the tab, the fields are simply gone, unless you save the scenario to My Plan or keep the calculation link.
Press the share button. A link is copied that carries the values inside it. Open it on your phone or send it anywhere you like: the exact same calculation appears.
No. The values travel inside the link itself, from device to device. We see neither who sent it nor what it contains.
Your personal space for scenarios: you save a calculation under a name and find it again later, so you can compare alternatives. It holds up to 30 scenarios and lives, like everything else, in your browser.
Up to 30 on each device. When you save the 31st, the oldest one is quietly removed. Saving the same scenario twice shows it twice with the same name, unless you rename it before you save. Delete what you no longer need, or keep a copy with the export.
They stay on the device where you saved them and they do not sync. If you want a scenario elsewhere, open the calculation link there and save it again.
Yes, the scenarios are deleted together with your browsing data. For the scenarios you do not want to lose, keep their link as well: it reopens the calculation at any time.
No. It is a mathematical projection based on the assumptions you set: return, time horizon and contributions. It helps you understand how the numbers work, not guess the market.