Transparent inputs
See and change the assumptions behind the projection. A result should always be traceable back to its inputs.
Educational ETF planning
Make the assumptions visible.
ETF Compass helps you explore long-term investing scenarios before you act: starting amount, monthly contribution, time, expected return, fees, and inflation—side by side instead of hidden behind a single number.
Methodology
A calculator is only as useful as its assumptions.
ETF Compass projects a scenario from the values you provide. It does not know future market returns, tax rules, exchange rates, or your personal circumstances. Use it to compare reasonable ranges, understand trade-offs, and prepare better questions—not to predict a result.
Nominal and real views
Compare the stated future amount with an inflation-adjusted estimate of purchasing power.
Costs included
Model investment costs as a drag on growth so small annual fees are not treated as invisible.
Useful for planning
Explore the choices that shape a long horizon.
Recurring investing
Test a regular contribution plan and see why consistency, time, and the contribution amount often matter more than precision about a single forecast.
Compare funding paths
Use the app to contrast a lump sum with phased investing under the same stated assumptions. The comparison clarifies timing risk; it cannot determine the right choice for you.
Scenario ranges
Run cautious, central, and optimistic assumptions. A range is more honest than treating one annual-return number as a promise.
Personal workspace
Use the calculator locally, or choose optional sign-in and cloud sync where available to keep your own saved scenarios accessible.
Important risk and educational disclaimer
ETF Compass provides general educational calculations, not investment, tax, legal, or financial advice. Investing can lose value. Historical returns and projections do not guarantee future results. Consider your objectives, risk tolerance, costs, taxes, liquidity needs, and local rules; consult a qualified professional when appropriate.
Start with a scenario
Try the numbers. Keep the uncertainty.
Open the calculator to build an ETF planning scenario, then use the guide to question the assumptions behind it.