Compound interest calculator – yield calculator

Name: findependent
Brand: findependent
Rating: 4.9 (38 reviews)

Our compound interest calculator helps you to project the development of your savings, adapted to your individual situation. So that you know whether and how investing money is profitable.

Investment term

Start amount

Monthly deposit

Investment solution

Your advantage with findependent* CHF 0

* We calculate with 0.5% interest on the savings account and for the forecasts the past performance based on index data, minus management fee, custody fee and ETF costs since 2005 is used (net return). It is not a guarantee for the future market performance. The actual asset value achieved may differ significantly from the forecasts.

This is how our calculator works

Controllers

With the compound interest calculator, you can use the controllers to define not only your investment sum but also the monthly savings amount. Then you decide on one of the four findependent investment solutions. By default, we have selected the investment solution Balanced to calculate the return. Finally, you choose how far into the future the compound interest calculator should calculate the performance of your savings.

Calculation basis for savings account

For the bank savings account, we calculate an interest rate of 0.1% in the yield calculator. This is an interest rate that is close to zero and has been the reality for many years. Even if the central banks have already partially lifted the negative interest rates, we assume that the banks will take their time in adjusting the savings account interest rates. If they will ever pay interest on savings accounts again in the near future.

Calculation basis for investment solution

Our interest calculator calculates your savings potential with a findependent investment solution. Your investment advantage is proportional to the investment duration, the starting amount, the deposit amount and interval and the interest rate. For example, the longer you “hold” your investment, the higher the expected return, and the more often you pay in, the greater your capital growth will ultimately be. Your performance is not proportional, but – thanks to the compound interest effect– rather exponential.

Check out our investment solutions

Return does not come without risk

Risk

Financial markets fluctuate and no one can predict exactly how they will change. Therefore, even with findependent’s compound interest calculator, there is no guarantee that your investment will actually develop in this way. We make assumptions when calculating returns, which are of course not universally valid. However, they are based on actual, historical values.

Fees

Investing money is always associated with certain costs. In addition to product costs and external transaction costs, there are usually fees for administration and custody account management.
Just like your interest rates, the level of your fees also plays a major role. The lower the fees of your investment solution, the more of your savings will be left for you.

Fee-free amount & fees for findependent

With findependent you benefit from paying no management and custody fees up to an amount of CHF 2’000 – for life. You pay 0.44% per year on your investment sum above CHF 2’000.

All details on the costs and our fee calculator can be found here.

Get findependent! (in German)

Or write us at service@findependent.ch to sign up for our waiting list for the English version.

Which functions are you missing? What would you like to see improved in our yield calculator? Please let us know via e-mail to hello@findependent.ch.