Compound Yield Calculator

Calculator Inputs

Currency symbol

Examples: $, €, £, ₨

Initial investment

Recurring contribution

Contribution frequency

Contribution growth (% per year)

Use 0 for fixed contributions.

Investment horizon (years)

Annual return rate (%)

Nominal rate before fees and taxes.

Compounding frequency

Annual management fee (%)

Modeled as a yearly drag on returns.

Tax on gains (%)

Applied once to total gains at the end.

Inflation rate (% per year)

Used to show inflation-adjusted value.

Contribution timing

Changes how quickly deposits start earning.

Example Data Table

These sample inputs show how contributions and fees change the outcome.

Scenario	Initial	Contribution	Years	Rate	Fee	Tax	Inflation
Steady monthly investing	$10,000	$300 / month	10	8%	0.50%	10%	2.5%
Higher return, higher fee	$10,000	$300 / month	10	10%	1.50%	10%	2.5%
Quarterly contributions	$5,000	$900 / quarter	8	7%	0.40%	8%	3%

Formula Used

For nominal annual rate r and m compounding periods per year:

Effective annual rate: (1 + r/m)^m - 1
Fee-adjusted annual rate: (1 + effective) x (1 - fee) - 1
Monthly simulation rate: (1 + netAnnual)^(1/12) - 1

The calculator simulates month-by-month growth, adds contributions by schedule, then applies an end-of-horizon tax to total gains.

How to Use This Calculator

Enter your initial investment and recurring contribution amount.
Choose how often you contribute and how returns compound.
Add fees, taxes, and inflation to estimate net outcomes.
Press Calculate to view totals and yearly breakdown.
Use CSV or PDF buttons to download your report.

FAQs

1) What does "compound yield" mean here?

It is the annualized growth implied by compounding and your cash flows, after fees and end-of-horizon taxes. It helps compare scenarios consistently.

2) Why simulate monthly even with daily compounding?

Monthly steps keep the calculator fast while still matching the net effective annual rate. Your selected compounding affects that effective rate before simulation.

3) Are taxes applied every year?

No. This tool applies a single tax on total gains at the end. Some real accounts tax dividends yearly, so treat this as a simplified model.

4) How do fees change results?

Fees reduce the effective annual growth rate before compounding. Small fee differences can create large gaps over long horizons because the drag compounds too.

5) What is the inflation-adjusted final value?

It discounts the after-tax final value by your inflation rate over the horizon. This helps estimate future purchasing power, not just nominal growth.

6) What does contribution timing change?

Start-of-period contributions earn interest sooner, so final value rises. End-of-period contributions are more conservative and closer to many deposit schedules.

7) Can I model increasing contributions over time?

Yes. Set contribution growth to a yearly percent. The recurring contribution increases each year, which can reflect rising income or planned step-ups.