Explore what consistent investing could look like.
Adjust your investment amount, monthly contribution and assumed growth rate to explore different long-term scenarios.
Every growth rate in this calculator is a hypothetical assumption you choose. None of these figures are predictions of actual investment performance.
Your assumptions
Type an exact figure or drag the sliders. The results update instantly.
Between 1 and 50 years.
Negative returns are allowed so you can explore downside scenarios (−20% to 30%).
Applied once a year, at the start of each new investment year.
Used only to express the final value in today's money.
Illustrative future investment value
R 1 067 234,04
Nominal value, before adjusting for inflation.
Total amount contributed
R 530 000,00
Your initial investment plus every monthly contribution.
Illustrative growth
R 537 234,04
101.4% above the amount contributed under these assumptions.
Inflation-adjusted value (today's money)
R 590 901,61
Discounted at 3% a year over 20 years.
Illustrative growth trajectory
- Portfolio value
- Total contributions
Values shown in South African rand, on a nominal basis.
Hypothetical scenarios
The same contributions and inflation assumptions, shown at your selected rate and two percentage points either side. None of these is more likely or better than another — they simply illustrate how sensitive the result is to the return you assume.
- 4% a yearR 837k
- 6% a yearYour assumptionR 1.1m
- 8% a yearR 1.4m
This calculator provides hypothetical illustrations, not predictions or guarantees of investment performance. Actual returns can be negative and may differ substantially from the assumptions entered. The illustration does not account for investment fees, taxes, product charges, transaction costs or changes in contribution timing. Inflation-adjusted values are estimates, and the calculator does not recommend any investment product.