Illustrate the effect of time and contributions
A growth projection helps separate the money added to an investment from the return assumed on it. Set a starting balance, regular contribution, annual return and horizon to explore how a consistent plan could compound. This makes the contribution discipline visible alongside the return assumption.
The calculation is an illustration for Australians planning long-term goals, not a forecast of a fund, share, managed account or savings product. Investment values can fall as well as rise and returns are not guaranteed. It cannot determine whether an investment is appropriate for an individual. Consider both the amount contributed and the uncertainty attached to the assumed return.
How to read the results
Projected future value is the modelled balance at the end of the selected horizon. Your contributions includes the starting balance plus every scheduled contribution, and Illustrative growth is the difference between that amount and the projected value.
The annual return label repeats the assumption used in the calculation. The chart plots projected portfolio value over time and should not be interpreted as a likely market path or a personalised recommendation. Comparing several return assumptions can show the range of outcomes created by the model, without predicting markets.
Worked example
Using the defaults of $25,000 to start, $750 contributed monthly, a 6% illustrative annual return and 15 years, the projected future value is about $279,466. Total contributions are $160,000, leaving about $119,466 of illustrative growth.
Contributions are modelled at the end of each month. A different contribution frequency, actual returns, fees or tax treatment would change the outcome, sometimes materially.
Assumptions and limitations
- The entered annual return remains constant throughout the chosen horizon.
- Regular contributions are made at the end of each selected contribution period.
- The model does not deduct investment management fees, brokerage, insurance or platform costs.
- Tax, inflation, market volatility and withdrawals are excluded.
- A positive illustrated return does not represent a guaranteed or expected investment outcome.
Frequently asked questions
Is the projected value guaranteed?
No. It is a mathematical illustration based on the return you enter, not a promise about investment performance.
What does illustrative growth mean?
It is projected value less the starting balance and regular contributions, before any excluded fees or tax.
Can I use a weekly contribution?
Yes. Select weekly or fortnightly to model the chosen contribution amount in each of those periods.
This calculator and supporting information provide general estimates only. They do not take account of every product rule, tax consequence or personal circumstance and are not financial, tax, credit or legal advice.