Educational calculator

Ireland Investment Growth Calculator

Explore how regular contributions and compounding can affect an investment over time. Choose the figures and an illustrative scenario; this is not an SIA rule, forecast or recommendation.

Your illustration

Choose your figures

All four fields are required. You can change them and calculate again.

Starting amount

In euro, from €0 to €1,000,000.

Monthly contribution

In euro, from €0 to €100,000 a month.

Time horizon

A whole number from 1 to 50 years.

Illustrative annual growth scenario

Neutral examples, not expected returns. The chosen rate is divided by 12 and applied monthly.

JavaScript is needed to calculate a personalised illustration. The assumptions and worked example below remain available without it.

Illustrative result

Enter your figures and choose “Calculate illustrative growth” to see a result.

Assumptions and limitations

Monthly contributions are added at the end of each month.
The selected annual rate is divided by 12 and compounded monthly.
No fees, charges or taxes are deducted.
Inflation is not included, so the result is not shown in today’s money.
Real investments can fall as well as rise. Returns vary and you could get back less than you invest.

This is an illustrative example, not a forecast or personal financial advice.

How the illustration works

A worked example

Start with €1,000, add €100 at each month-end for 10 years, and use the 5% annual scenario. Total contributions are €13,000. Monthly compounding produces €4,175.24 of illustrative growth and an illustrative value of €17,175.24.

The 5% rate is a teaching scenario only. It does not represent an expected return, an available SIA product or a recommended investment.