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Investment Calculator: How Much Could Your Money Grow?

Updated 3 May 2026​
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Use our Investment Calculator below to see how much your money could grow over time
  • Whether you're starting with a lump sum, contributing regularly, or both, the calculator shows your potential balance, total invested, and investment gains in a clear stacked breakdown.
  • The calculator is suitable for projecting growth in managed funds, ETFs, KiwiSaver schemes (for general modelling), and other long-term investments.

Your investment details

Contribution frequency

Calculator assumes monthly compounding, which is standard for managed funds and KiwiSaver. Results are illustrative and shown in future dollars before tax (RWT or PIR). Actual investment returns will vary year to year and your final balance is not guaranteed.

Final value $0.00
Total invested Investment gains
Total invested $0
Investment gains $0
Final value $0
View year-by-year schedule
Year Total invested Investment gains Balance
Assumptions:
  • The initial investment is made today
  • Contributions are made at the end of each period (weekly, fortnightly, monthly or annually) and remain the same amount throughout the term
  • Returns compound monthly, which is standard for managed funds, ETFs and KiwiSaver schemes
  • The annual rate of return is assumed to remain constant. Real-world investment returns vary year to year and can be negative in some years
  • Results are shown in future dollars before tax (RWT or PIR), with no adjustment for inflation. The buying power of the final balance will be lower than the dollar figure suggests
  • Fees are not deducted separately. If using FMA-aligned rates of return (Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5%), these are already net of average fees and 28% PIR. If using your fund's gross return rate, your final balance will be lower after fees and tax
  • Past performance is not a guarantee of future returns and this calculator is illustrative only
In partnership with InvestNow - Use this calculator to see how your money could grow, then check out InvestNow if you're ready to invest. With no platform fees and hundreds of managed funds, ETFs and term deposits available, InvestNow is one of New Zealand's most popular investment platforms. 

​More details: Read our InvestNow Review or join InvestNow here.
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