Model your ETF investing plan before you commit capital.
Model how monthly investing, compounding, fees and time horizon may affect a self-directed ETF portfolio. Change the inputs and compare scenarios before committing capital.
Educational tool only
This calculator does not provide financial advice, suitability assessment, investment recommendations or brokerage services.
Build your scenario
Enter your own assumptions. ETF Compass will calculate the projection and show the impact of compounding, fees and inflation over time.
Scenario A
Base assumptions
Scenario A is your base case. Enter the starting portfolio, contribution, time horizon, return and fee assumptions you want to model.
Base case inputs
These inputs define Scenario A. Scenario B can then be matched to this base case or adjusted to test an alternative.
Total annual fee assumption
ETF TER + platform fee = 0.57%
Scenario B
Alternative assumptions
Scenario B is your alternative case. It uses the same starting portfolio, currency and time horizon as Scenario A, so the comparison isolates changes in contribution, return and fees.
Quick tests
Start with a common alternative assumption, then adjust the inputs below if needed.
Contribute more: +25% monthly contribution. Lower fees: 50% lower platform fee. Lower return: -2% annual return. Higher return: +2% annual return.
Scenario B total annual fee assumption
ETF TER + platform fee = 0.42%
Projected outcome
Your projected outcome
Based on the assumptions entered, this is the estimated portfolio value after contributions, compounding and annual fee drag.
Projected portfolio value
$321,549
Over 15 years, this scenario projects a final net value of $321,549, based on $190,000 in total contributions and an assumed 7.00% annual return before fees.
Total contributions
$190,000
Starting value plus all monthly contributions over the full period.
Estimated investment growth
$131,549
Projected net growth after contributions and estimated fee drag.
Estimated fee drag
$17,146
Equivalent to approximately 5.1% of the gross projected value.
Gross value before fees
$338,695
Estimated portfolio value before ETF and platform fees are deducted.
Inflation lens
Future value in today's money
This converts the projected final value into an estimated purchasing-power equivalent using your inflation assumption.
Nominal projected value
$338,695
Inflation-adjusted value
$233,857
Assumed inflation rate: 2.50%. This is illustrative only and does not model country-specific cost of living, tax, FX movement or personal spending patterns.
Scenario comparison
Compare two sets of assumptions
Scenario A uses your main inputs. Scenario B lets you test a different contribution, return or fee assumption without treating the result as a recommendation.
Final value
Total contributions
Investment growth
Estimated fee drag
Scenario B impact
Under Scenario B, the projected final value changes by +$95,961 versus Scenario A. This comparison is for education and planning only.
Projection chart
Portfolio growth over time
A year-by-year view of the projected portfolio value. Scenario A is your base case. Scenario B is your alternative assumption set.
Scenario A
$338,695
Scenario B
$434,656
Y0
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10
Y11
Y12
Y13
Y14
Y15
Scenario B difference
+$95,961
Difference in projected final value versus Scenario A.
Related reading
Understand the assumptions behind your scenario.
Use these guides to understand monthly investing, compounding, fee drag and the difference between regular contributions and lump-sum investing.
Monthly Investing
How Monthly ETF Investing Works
Learn how regular ETF contributions can build exposure over time using a simple monthly investing approach.
Fees
Understanding ETF Fees and Fee Drag
See how ETF costs, platform fees and small percentage differences can affect long-term projections.
Compounding
What Is Compound Growth?
Understand how compounding works and why time horizon can matter so much in long-term investing projections.
Monthly Investing
Should Expats Invest Monthly or as a Lump Sum?
Compare the practical differences between regular monthly investing and lump-sum investing for expats.