Investment Calculator
Calculate investment returns with compound interest. Monthly contributions, inflation adjustment and scenario comparison.
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Disclaimer: This tool is for informational purposes only and does not constitute professional accounting, legal or financial advice. Results are estimates; consult a certified advisor for important decisions. Terms of Service.
How Investment Returns Are Calculated
Compound interest with contributions: A = P × (1 + r/n)^(n×t) + PMT × [((1 + r/n)^(n×t) - 1) / (r/n)]
Rule of 72
Quick doubling estimate: 72 / Annual Return (%). At 30% annual return, money doubles in ~2.4 years.
Why Inflation Adjustment Matters
Nominal returns mislead. A 40% return with 50% inflation is a realloss of -7%. The tool adjusts for your inflation estimate to show true purchasing power.
How to Use This Tool
- Enter starting capital
- Enter monthly contribution (optional)
- Set annual return and duration
- Add inflation rate — see real returns
- Compare low/medium/high scenarios
Typical Returns by Asset
- TL Deposits: 30-45% gross (lower after withholding tax)
- Gold: Variable, inflation hedge
- USD/EUR: Currency appreciation + interest
- Stocks (BIST): 35-60% long-term average
- Mutual Funds: 20-80% by fund type
Related Guide
Frequently Asked Questions
What is compound interest?
Compound interest is when you earn interest on both your principal and the interest earned in previous periods. This 'interest on interest' effect exponentially increases your returns over the long term.
What does inflation adjustment mean?
The inflation-adjusted value shows the purchasing power of your future investment in today's terms. For example, ₺1,000,000 in 10 years with 20% inflation is equivalent to about ₺160,000 in today's purchasing power.
How does scenario comparison work?
Three scenarios (low, medium, high) are generated around your input return rate. This shows how your investment would grow under different market conditions.
Is tax included in the calculation?
This calculation is based on pre-tax gross returns. Your actual returns may be lower after tax deductions, which vary by investment type.