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ETF Calculator

Project your ETF investment growth — monthly contributions, expected return and expense ratio impact.

An ETF calculator projects how your exchange-traded fund investment could grow over time. Enter your monthly contribution (or lump sum), expected annual return and the fund's expense ratio to see your projected value, total contributions and the true cost of fees.

Your results

Projected value—
Total invested—
Investment gains—
Fees paid (expense ratio)—
Formula: Future value with monthly contributions: FV = P×(1+r)^n + PMT×(((1+r)^n−1)/r), where r is the monthly return net of expense ratio. Fees compound too — a 1% higher expense ratio can cost tens of thousands over decades.

Worked example

Example: You invest AED 1,000/month for 10 years at 8% annual return with a 0.07% expense ratio. Projected value: ~AED 182,000, of which ~AED 120,000 is your contributions and ~AED 62,000 is growth. Total fees paid: under AED 1,000 — showing why low-cost ETFs win.

Frequently asked questions

What is an ETF calculator?

It projects the future value of regular ETF investments based on your contribution, expected return, timeframe and the fund's expense ratio.

Why does expense ratio matter?

The expense ratio is charged every year on your total balance. Even 1% vs 0.1% compounds into a huge difference over 20-30 years.

What return should I assume?

Broad market ETFs have historically returned ~7-10% annually before inflation, but past performance does not guarantee future results. Use conservative estimates.

Can UAE residents buy ETFs?

Yes — international brokers serving the UAE offer US and European ETFs. Compare fees, FX spreads and regulation.

Is monthly investing better than lump sum?

Lump sums invested earlier usually win mathematically, but monthly investing (dollar-cost averaging) reduces timing risk and suits salaried investors.

Disclaimer: Results are estimates for guidance only and not financial advice. Rates, fees and rules vary by bank and over time — always confirm important decisions with a qualified professional.