Investment Calculator
“The biggest risk of all is not taking one.”
Model how a regular premium grows over time, after accounting for policy or platform fees and an assumed rate of return.
Investment Inputs
$
%
Deducted from each premium before it's invested — e.g. 2% on a $100 payment means $98 is invested.
% p.a.
yrs
Fees (optional)
% p.a.
Charged monthly at 1/12th of this rate, on the account balance (AUM) at the moment of each deduction — always monthly, regardless of your investment frequency above.
$
A flat charge deducted every month, e.g. a platform or admin fee.
Projected value after 20 years
$0
at an assumed 4% annual return, net of charges and fees
Total premiums paidSum of every contribution over the term, before charges
$0
Initial sales charge deductedTaken off each premium before it's invested
−$0
Total fees deductedPolicy fee + fixed monthly fee, combined
−$0
Investment growthReturn earned on top of net contributions
+$0
Balance over time
| Year | Contributed | Sales Charge | Fees | Balance |
|---|
Assumptions: growth compounds monthly at the equivalent of your assumed annual rate; each month, the premium due (if any) has the initial sales charge deducted first, the net amount is added to the balance, then the policy fee is deducted as a % of that month's balance plus any fixed monthly fee, then growth is applied; figures are illustrative projections, not guaranteed returns.
