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Scenario builder

Investment growth calculator

Explore how time and consistent contributions can affect a hypothetical investment. Returns are assumptions, never promises.

01

Choose assumptions

Your plan

₱
₱
%

An assumption for illustration—not a guaranteed return.

%

A simplified annual drag for fund fees, platform costs, or similar recurring expenses.

%

3.6% matches BSP’s February 2026 central projection for 2026; change it for long-term scenarios.

years
This simplified illustration assumes monthly compounding and end-of-month contributions. It does not include taxes, changing contributions, or market volatility.
02

Projected outcome

Growth estimate

Estimated value after 10 years₱840,815₱625,000 contributed + ₱215,815 estimated growth
Balance growthSee when compounding begins to pull away from the money you put in.
Projected valueContributions
Year 0Year 5Year 10
Your contributionsEstimated growth
Value in today’s pesos₱590,341
Return after fee assumption5.5%
Year 1₱87,946
Year 5₱377,297
Year 10₱840,815

Actual returns vary and losses are possible. Fee and inflation treatment is simplified. Use this to compare scenarios, not predict performance.

Read the result carefully

A smooth projection is not a smooth journey.

This calculator uses a constant assumed annual return and monthly compounding. Real investments can rise and fall, returns vary by period, and fees, taxes, inflation, and behavior affect the outcome.

Test conservative scenarios as well as optimistic ones. A useful plan should not depend on one precise return arriving on schedule.

Read the investing checklist