ETF Return Calculator

Enter your initial capital, monthly contribution, horizon in years, expected annual return and the annual TER fee. The calculator computes the projected final portfolio value, total contributions, gross profit, the capital gains tax and the net value after tax.

Effective rate = expected return - TER. Monthly rate r = effective rate / 100 / 12, number of months n = years x 12. Final value = capital x (1+r)^n + contribution x ((1+r)^n - 1) / r. If the effective rate is 0, capital grows only by the sum of contributions.

TER (Total Expense Ratio) is the annual cost ratio of a fund, covering management and operating costs. For ETFs it is usually 0.05-0.5% per year. It is taken from fund assets, so the calculator subtracts it from the expected return.

Yes. Capital gains from ETFs in Poland are subject to a 19% tax on investment income (podatek Belki). The calculator applies it to the gross profit and shows the net value. No tax is applied if the investment produced no profit.

At a 7% return and 0.2% TER (effectively 6.8%) the final value is about PLN 105,297. Total contributions are PLN 70,000, gross profit about PLN 35,297, tax about PLN 6,706, and net value about PLN 98,591.

No. The calculator assumes a constant annual return, which never happens in reality. Markets fluctuate and returns can be negative. It is an educational tool, not a guarantee of future results.

Historically, broad equity indices returned around 6-9% per year nominally over the long term. For a conservative projection, 5-7% is reasonable. Past performance does not guarantee future returns.

No. The result is in nominal terms. To estimate real purchasing power, subtract expected inflation from the return or use a time value of money calculator. Inflation materially reduces real returns over long horizons.

An accumulating ETF reinvests dividends, supporting compounding and deferring tax. A distributing ETF pays dividends that are taxed as they are received. The calculator assumes an accumulating model, taxing only the final gain.

No. The calculator is for informational and educational purposes only. Investing in ETFs carries the risk of losing capital. Consult a licensed adviser before investing.