What does your monthly investment grow into?
Enter your monthly amount, horizon, and expected return to see compound growth — and what fees take from it.
Result
Final value (after fees)
Total contributed
120,000 SAR
Final value (no fees)
163,879 SAR
Fee drag
−12,681 SAR
Assumptions: 6% annual return compounded monthly, a 1.5% annual fee reducing the net return, and a fixed contribution at the end of each month. Figures are illustrative estimates.
Your investment year by year
Bars show the projected value after fees; the darker segment is what you actually paid in.
How compound interest works
Compound interest means your returns are reinvested and start earning returns of their own. The effect looks small in the early years, then accelerates: investing SAR 1,000 a month at a 6% annual return means paying in SAR 120,000 over 10 years, while the investment grows to roughly SAR 164,000 — the entire difference is compound growth. The longer the horizon, the larger the share of growth in the final outcome.
The long-term impact of fees
An annual fee that looks small — say 1.5% — is taken from your return every year, and its impact compounds because you also lose the growth that deducted money would have earned. In the same example (SAR 1,000 monthly for 10 years at 6%), a 1.5% fee cuts the final value from about SAR 164,000 to about SAR 151,000. To compare a specific fund's fees, try the fees calculator, and to look up terms like expense ratio, see the glossary.
Why consistency beats timing
Picking the "perfect moment" to enter the market is hard even for professionals. Regular monthly investing spreads your purchases across different price levels, so no single month's swings dominate the outcome, and it turns investing into a habit that doesn't depend on guesswork. The biggest driver of the final result is not when you start but how long you keep going.
Realistic numbers
SAR 500 a month for 15 years at 6% grows to roughly SAR 145,000 against SAR 90,000 paid in. SAR 1,000 a month for 20 years at the same return grows to roughly SAR 462,000 against SAR 240,000 paid in — growth exceeding the contributions themselves. These are illustrative examples with a fixed assumed return; actual returns vary year to year.
For informational purposes only — not investment advice. Past performance does not guarantee future results.