acuno · Tools · Compound interest

What time does to money.

Enter what you could put aside, pick a market, and see how much of the result is growth rather than money you paid in. Every figure is derived from a long-run average return you can see and change.

Starting amount

Monthly contribution

Horizon30 years

11020304050

Market

End value

€233,881

30 years · nominal

Paid in

€73,000

€1,000 + 360 × €200

Growth

€160,881

69% of the end value

Paid inGrowth

Average return. Real years look nothing like this: a broad index can lose a third of its value in one year and gain it back over the next few. Over long horizons the average is what shows up.

From year 19 on, growth outweighs what you paid in.
Starting 10 years later, you would need about €461 per month instead of €200 for the same result.
In a savings account at 1.5%, the same payments end at about €92,386, a difference of €141,495.

About these numbers

Long-run annualised total return (dividends reinvested), rounded down. Averages depend on the period measured; the tool uses them as a reference, not a forecast. The inflation assumption of 2.0 % p.a. is the ECB target. Figures last verified 2026-09-09.

MSCI World: 7.0%; About 1,400 large and mid-sized companies across 23 developed markets. MSCI World net total return, long run since the 1970s, in EUR, rounded down.
S&P 500: 9.0%; The 500 largest listed companies in the United States. S&P 500 total return since 1957, in USD; EUR-adjusted is slightly lower.
MSCI Emerging Markets: 7.0%; Large and mid-sized companies across 24 emerging economies. MSCI Emerging Markets net total return since 1988.
STOXX Europe 600: 6.5%; 600 companies across 17 European countries. STOXX Europe 600 gross return since 1987.
Savings account: 1.5%; A typical Austrian overnight deposit rate. Changes with policy rates; editable. Snapshot of typical overnight deposit offers.

Index names identify the index only. acuno is not affiliated with the index providers.

Scenario link?

These figures are a model projection from historical long-run averages. Past performance does not predict future returns. This is education, not investment advice.

How this is calculated →

This is one of the first stops of the learning journey. The lesson explains why; the tool shows it for your numbers.

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