Compound interest calculator
See how your capital grows over the years with compound interest – including a monthly savings rate. Swiss format, no login.
Growth over time
Note: This calculation is a simplified model with a constant return. Actual market returns fluctuate. Swiss taxes (wealth tax, income tax on interest) are not included. Not investment advice.
Frequently asked questions about compound interest
How does a compound interest calculator work?
The calculator applies interest to your capital each year and immediately reinvests it. This creates interest on interest – your wealth grows exponentially rather than linearly. At a 5% return, your capital doubles roughly every 14 years.
What return is realistic in Switzerland?
Swiss savings account rates are currently below 1%. A broadly diversified equity ETF portfolio has historically returned around 5–7% per year over the long term – with sometimes significant fluctuations and no guarantee. The calculator shows model values for a constant return.
Are Swiss taxes included?
No. Wealth tax and income tax on interest reduce your net return in practice. For tax-advantaged savings, Pillar 3a is the best option in Switzerland – see our Pillar 3a calculator.
What does "monthly savings rate" mean?
The amount you invest every month on top of your starting capital. In the model, it is compounded at the end of each month. A monthly savings rate has an enormous effect over long periods – try it with CHF 100 / 300 / 500.
See your real wealth growth
Geldfuchs shows you your actual accounts, ETFs, Pillar 3a, and Pensionskasse – with real performance and a Swiss tax perspective.
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