Planning
Investment Returns Calculator
Project how your investment grows over time with compound returns, regular contributions, and Philippine withholding tax on gains.
Investment Returns Calculator
Project investment growth with regular contributions and withholding tax.
How This Tool Works
How It Works
This calculator projects investment growth using compound returns with regular monthly contributions, then applies Philippine withholding tax on the gains.
Formula (Monthly Compounding)
Each month:
balance = balance × (1 + monthlyRate) + monthlyContribution
Withholding Tax
The Philippines imposes a 20% final withholding tax on interest income and dividend income. This is applied to the total returns at the end.
What You See
- Final Amount: Your projected portfolio value
- Total Contributed: How much you put in
- Total Returns: How much your money earned
- After-Tax Returns: Returns minus 20% withholding tax
- Year-by-Year Breakdown: A table and chart showing growth over time
Key Insight
The power of compound interest is most visible over long periods. Even modest monthly contributions can grow significantly over 10-20 years.