Compound Interest Calculator

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Simulate your capital growth with periodic contributions, choose frequency and account for inflation. Also compare exchange platform fees.

⚠️ Inflation Impact

Inflation reduces your money's purchasing power. With 2% inflation, €100 today will only be worth €98 next year in real purchasing power. Investing to beat inflation is crucial.

💰 Financial Independence

The 3% rule suggests you can withdraw 3% of your capital annually without depleting your portfolio. The simulator automatically calculates your potential monthly passive income.

Initial Capital (€)

Contribution per period (€)

Amount added at the end of each period.

Contribution Frequency

Contribution growth (%/year)

Average annual increase (e.g., 3% for IT in France).

Annual Yield (%)

Annual Inflation (%)

Duration (years)

Compounding Frequency

Payment Type

Results

Initial Capital (€)

Platform (Preset)

Contribution per period (€)

Frequency

Years

Annual Yield (%)

Annual Inflation (%)

Fee Details

Fee Summary

Results with Fees

Platform Comparison

Platform	Commission	Spread	Sub/Yr	Final Capital	Real Capital	Total Fees	Lost Interest	Fees/Contrib	Diff vs Top

Comparison based on current parameters (duration, yield, inflation).

Personal Budget Simulator

Manage your income, charges, and expenses to calculate your monthly and annual investment capacity.

💰 Income

📊 Charges

Taxes, social contributions, mandatory insurance...

💸 Expenses

% of income

Rent, food, transport, entertainment...

Your Budget Summary

💡 Tip

The "Remaining to invest" amount can be used as monthly contribution in the Compound Interest tab to simulate your long-term capital growth.

🎯 Annual Bonus

Don't forget to include your annual bonus in income by selecting the "Annual" frequency. This will help you visualize your total annual investment capacity.