Monthly or annual compounding?

This model compounds monthly and adds your contribution at the end of each month, which matches how most brokerage and savings accounts behave.

What rate should someone in Switzerland use?

For a broad global equity index, 6–8% before inflation is a common planning assumption anywhere. For cash, use your local deposit rate — around 1% in Switzerland at the moment.

Does this account for tax?

No. Tax-sheltered accounts exist in most countries and change the outcome materially, so compare the gross figure here against your own account rules.

MoneySwitzerland · CHF

Compound interest calculator for Switzerland

See what regular contributions turn into over time.

Country & currency

Changing country switches the currency and resets the inputs to local starting values.

Your numbers

Starting balance

CHF

Monthly contribution

CHF

Annual return

Time invested

years

Balance after 25 years

CHF 406'815

CHF 266'015 of it is growth

Total contributed: CHF 140'800
Interest earned: CHF 266'015
Growth multiple: 2.89×; final balance ÷ money in
Average growth per year: CHF 10'641

Balance

by year

Period	Contributed	Growth	Balance
Year 3	CHF 24'640	CHF 3'779	CHF 28'419
Year 6	CHF 40'480	CHF 12'128	CHF 52'608
Year 9	CHF 56'320	CHF 26'111	CHF 82'431
Year 12	CHF 72'160	CHF 47'040	CHF 119'200
Year 15	CHF 88'000	CHF 76'534	CHF 164'534
Year 18	CHF 103'840	CHF 116'588	CHF 220'428
Year 21	CHF 119'680	CHF 169'660	CHF 289'340
Year 24	CHF 135'520	CHF 238'784	CHF 374'304
Year 25	CHF 140'800	CHF 266'015	CHF 406'815

Returns are assumed constant and gross of tax. Real markets are lumpy, so treat this as a trend line rather than a forecast.

How to read the result

Compounding is unremarkable for the first few years and then does almost all of the work at the end. Most people underestimate the back half badly.

Set a starting balance, a monthly contribution and a rate, and the projection below splits the final number into what you put in versus what the growth added.

This page is set to Switzerland and prints CHF. Starts at a 1% deposit return. Every figure is a starting point you should overwrite with your own.

Worked example in CHF

Using the values the form starts with.

Balance after 25 years

CHF 406'815

Total contributed: CHF 140'800
Interest earned: CHF 266'015
Growth multiple: 2.89×
Average growth per year: CHF 10'641

Questions people ask

Monthly or annual compounding?: This model compounds monthly and adds your contribution at the end of each month, which matches how most brokerage and savings accounts behave.
What rate should someone in Switzerland use?: For a broad global equity index, 6–8% before inflation is a common planning assumption anywhere. For cash, use your local deposit rate — around 1% in Switzerland at the moment.
Does this account for tax?: No. Tax-sheltered accounts exist in most countries and change the outcome materially, so compare the gross figure here against your own account rules.

Compound interest in other countries

Same maths, local currency and local starting values.