Illustrative estimates based on the numbers entered. Actual investment returns, lender calculations, fees and repayment schedules may differ. Not investment, lending, credit, tax or debt advice.
Regular deposits and interest build a balance. Inflation quietly reduces what that balance buys. Compoundly shows both figures side by side rather than only the flattering one.
57% of the final value comes from growth rather than from money you paid in.
At 2.50% inflation a year, €300,851 in 20 years would buy roughly what €183,600 buys today.
| Point | Projected value | Money you paid in | Today's money |
|---|---|---|---|
| Year 0 | €10k | €10k | €10k |
| Year 2 | €21k | €19k | €20k |
| Year 3 | €33k | €28k | €30k |
| Year 5 | €46k | €38k | €41k |
| Year 6 | €61k | €47k | €52k |
| Year 8 | €77k | €56k | €64k |
| Year 9 | €96k | €65k | €76k |
| Year 11 | €116k | €74k | €89k |
| Year 12 | €139k | €83k | €103k |
| Year 14 | €164k | €93k | €117k |
| Year 15 | €192k | €102k | €132k |
| Year 17 | €224k | €111k | €148k |
| Year 18 | €258k | €120k | €164k |
| Year 20 | €297k | €129k | €182k |
Growth overtakes the money you paid in during year 17.
Results are illustrative estimates based on the numbers you enter. Actual investment returns, lender calculations, fees and repayment schedules may differ. Compoundly is not investment, lending, tax or debt advice.
The nominal balance is what the account statement would say. The today's-money figure divides that balance by inflation compounded over the same period, answering a different question: what would this buy at today's prices?
Inflation is applied only to the display. It does not change the projection or the interest calculation, and it is off until you turn it on, so a balance is never quietly reduced without you asking for it.