Investment Calculator
See how a lump sum and regular investing could grow over time, after fees, tax and inflation.
Growth over time
Printed from ClearCalc (clearcalc.com.au/investment-calculator/). Estimates only, not financial advice.
How compounding builds wealth
When your investments earn a return, that return starts earning returns of its own. Over short periods the effect is small. Over 20 or 30 years it does most of the work. Investing $500 a month for 20 years at 7% a year, with low fees, turns $120,000 of savings into roughly $249,000.
Fees and tax matter
A 1% fee sounds small, but it comes off every year. Over 20 years, the gap between a 0.2% index fund and a 1.2% managed fund can be more than $30,000 on the example above. Tax on dividends and distributions also slows growth. Investing through super, where earnings are taxed at up to 15%, can help if you don't need the money before retirement.
Realistic returns
Over long periods, Australian and global shares have averaged roughly 7% to 10% a year before inflation, with big swings along the way. Cash and term deposits pay less but don't fall in value. Property returns vary by location. Use a range of returns to see the possibilities, and remember past returns aren't a guarantee.
This calculator is general information, not financial advice. Consider speaking with a licensed financial adviser before investing.
Frequently asked questions
How much will $10,000 be worth in 10 years?
At 7% a year after fees, about $19,700. At 5% it's about $16,300. In today's dollars, after 2.5% inflation, those are about $15,400 and $12,700.
Should I invest monthly or in a lump sum?
A lump sum invested earlier usually ends up ahead on average, because it's in the market for longer. Regular investing spreads your risk over time and suits most people investing from their pay.
What tax rate should I enter?
Use your marginal rate including Medicare, for example 32% on income from $45,000 to $135,000. Leave it at 0 to see growth before tax, or for investments inside super.
Last reviewed October 2026. This calculator gives an estimate for general information only. Check important figures with the relevant government agency or a licensed professional.