Vehicle affordability calculatorInvestment maturity value calculator
What could your investment grow to?
Project a lump sum and escalating monthly investments after costs—or calculate the monthly amount needed to reach a target.
Your investment plan
Change any figure to update the projection.
Return and cost assumptions
From gross return to net illustration
Projection over time
Contributions, growth and the impact of costs
The gross line assumes no EAC. The after-EAC line reduces the gross return by the entered annual cost percentage.
Year-by-year projection
| Year | Total contributions | Projected after EAC | Gross before EAC | Estimated EAC impact |
|---|---|---|---|---|
| Start | R 0 | R 0 | R 0 | R 0 |
| 1 | R 12 000 | R 12 514 | R 12 641 | R 127 |
| 2 | R 24 600 | R 26 655 | R 27 177 | R 523 |
| 3 | R 37 830 | R 42 584 | R 43 831 | R 1 248 |
| 4 | R 51 722 | R 60 477 | R 62 847 | R 2 371 |
| 5 | R 66 308 | R 80 525 | R 84 497 | R 3 971 |
| 6 | R 81 623 | R 102 939 | R 109 079 | R 6 140 |
| 7 | R 97 704 | R 127 944 | R 136 927 | R 8 983 |
| 8 | R 114 589 | R 155 787 | R 168 406 | R 12 618 |
| 9 | R 132 319 | R 186 739 | R 203 922 | R 17 183 |
| 10 | R 150 935 | R 221 091 | R 243 924 | R 22 833 |
How this estimate works
The single investment is invested immediately. Monthly investments are added at the beginning of each month, before that month's growth is applied, and increase once every 12 months. The annual after-cost return is converted to an effective monthly rate and compounded monthly.
Assumptions used
Updates automatically with your inputs- Gross return
- 10% pa Constant for the full projection.
- Effective Annual Cost
- 2% pa Treated as a constant annual reduction in return.
- After-cost return
- 8% pa Gross return less the entered EAC.
- Monthly investments
- Beginning of month Each investment receives that month's growth. The first escalation applies after 12 investments.
- Tax and inflation
- Excluded All values are nominal and before any investor-specific tax.
- Return pattern
- Smooth Actual investment returns fluctuate and may be negative.
EAC is an annualised measure of the estimated impact of charges and can vary by investment period. Reference: ASISA Retail EAC Standard.