What a monthly ETF or fund savings plan grows to, and how much the fund costs and purchase fees take away.
Figures checked: October 2026 · Methodology and sources
Returns are not guaranteed and vary every year. Taxes are not included.
A monthly plan into an ETF or index fund builds wealth through regular contributions and compound returns. Costs matter: the yearly fund cost (TER) is taken from the return every year, and some platforms charge a fee on every purchase.
The calculator grows your plan month by month after costs, and compares it with the same plan without costs, so you see what the fees take over the years.
The total expense ratio: the fund's yearly running cost as a share of the money invested. Broad index ETFs often cost 0.1 to 0.3 %.
Because it is taken every year from the whole balance, including past returns. Over 30 years it can take a fifth of the result.
A lump sum invested earlier tends to grow more; a monthly plan spreads the entry points and fits a salary.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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