Plan contributions, fees and purchasing power
Compare three personal annual return scenarios and keep deposits, nominal growth and inflation-adjusted value separate. The calculator starts with prefilled, editable model assumptions and a result. These are not an actual quote, company accounts or recommended values. Edit the inputs and recalculate; Restore example returns to the initial assumptions.
1. Choose how annual contributions enter the plan
Supply initial capital, your first annual contribution and a horizon in relative model years. Year one uses the contribution directly; its separate annual growth begins in year two. All money uses one chosen currency. These are your assumptions, rather than a historical plan, a broker offer or a calendar forecast.
A start-of-year contribution joins the balance before that year’s return and fee. An end-of-year contribution joins it after return and fee; it starts earning in the next year. The timing applies to the whole annual contribution, so this model does not silently turn it into monthly payments.
2. Keep the return assumption before the asset fee
Enter three independent nominal annual total returns for Bear, Base and Bull. Each rate is before the separately chosen annual asset fee and already includes whatever distributions your return assumption intends. Do not add dividends again or supply a return already reduced by the same fee. Negative returns are allowed above minus 100 percent; labels imply no ranking or probability.
The annual asset fee applies to the balance after that year’s return, before any end-of-year contribution. This is an explicit scenario convention, rather than a broker’s complete tariff. The prefilled amounts are editable model assumptions; mark a value unknown when you cannot establish it for your scenario. Supply a known zero if your assumption is no fee; an unknown fee leaves future net balances and totals unavailable. Deposits, signed modeled returns and fees remain distinct in the annual breakdown.
3. Compare nominal value with start-year purchasing power
Your inflation assumption builds an index from the start of the model. Divide each nominal closing balance by that year’s index to obtain modeled purchasing power relative to the starting price level. Zero inflation makes both values equal; negative inflation is a separate deflation assumption. This is not measured real wealth or a realized gain. Do not subtract nominal deposits from an inflation-adjusted balance and call the difference profit.
This is a guide to Datisto. Private features require sign-in and access to your own data. Personal models use your assumptions; availability and permitted use of source data are checked with the particular result. This is not investment advice.