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SAVINGS & RETIREMENT / FREE CALCULATOR

ETF investment calculator

Project regular ETF contributions after an annual investment fee.

Method and references reviewed 5 November 2026
YOUR NUMBERS

Let’s work it out.

Download
R
R
%
Editable scenario, not a guaranteed return or a market quote.
years
%
Editable scenario, not a guaranteed return or a market quote.
Leave blank to estimate the first payment one month from today. Monthly dates are estimates, not a lender schedule.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Projected ETF investment value

R 263 924,63

Constant nominal return and fees · end-of-month contributions

Total starting capital and contributions
R 190 000,00
Growth after modelled fees
R 73 924,63
Direct fees deducted over period
R 12 404,70
See the full breakdown
ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Total starting capital and contributions
R 190 000,00
Growth after modelled fees
R 73 924,63
Direct fees deducted over period
R 12 404,70
UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

View year-by-year savings projection
Contributions include your starting balance. Negative growth represents a loss.
YearContributionsGrowthBalance
1R 28 000,00R 1 119,01R 29 119,01
2R 46 000,00R 3 416,06R 49 416,06
3R 64 000,00R 6 963,73R 70 963,73
4R 82 000,00R 11 839,09R 93 839,09
5R 100 000,00R 18 123,95R 118 123,95
6R 118 000,00R 25 905,14R 143 905,14
7R 136 000,00R 35 274,87R 171 274,87
8R 154 000,00R 46 331,02R 200 331,02
9R 172 000,00R 59 177,50R 231 177,50
10R 190 000,00R 73 924,63R 263 924,63
THE WORKINGS

How this calculation works

Apply monthly nominal growth and an annual fee charged proportionally each month to the opening balance, then add the end-of-month contribution. The selected return assumes distributions are reinvested and already included.

A worked example

At 0% growth and fees, R10 000 plus R1 500 monthly for ten years becomes R190 000.

Assumptions & limitations

  • ETF values can fall. Return, fee and contributions are constant scenarios, not a recommendation of an ETF. Trading fees, bid/offer spreads, tax and currency changes are excluded unless already reflected in your assumptions.
KEEP EXPLORING

Another piece of the picture.

Savings growthEmergency fundInflation & purchasing power

Read a little further.

Saving & investing4 MIN READ

How compound interest grows savings

See what time and regular saving add to your plan, without assuming guaranteed returns.

Read the guide