Visualise the growth of your capital over time. Set your parameters and watch the exponential effect of reinvestment, year after year.
This calculator illustrates a mathematical mechanism for educational purposes. The return entered is an assumption and not a promise: past performance is not a reliable indicator of future performance. All investment carries a risk of capital loss. Results are given before inflation, fees and taxation. It does not constitute investment advice within the meaning of the LSFin.
The principle of compound interest is one of the most powerful in finance: when one year's gains are reinvested, they in turn generate gains the following year. Capital no longer grows in a linear way, but exponentially. Over a long horizon, the gap becomes striking — that is what the chart above makes visible.
A starting capital of 10'000 CHF, topped up by 500 CHF a month for 20 years at an average return of 6 %, reaches far more than the simple sum of the contributions: the difference is compound interest. The earlier you start, the more this effect works in your favour — time is your best ally in investing.
This calculator illustrates a mathematical mechanism. The return entered is an assumption, not a promise: past performance is not a reliable indicator of future performance, and all investment carries a risk of capital loss. Results are given before inflation, fees and taxation.
This simulator shows the potential. What remains is knowing how to choose the right investments yourself. The ALG Club programme teaches you to turn a projection into a method you apply yourself — presented during a first conversation, with no obligation.
ALG Club Sàrl is a private financial training and education organisation. We provide no personalised investment advice within the meaning of the Financial Services Act (LSFin), we manage no assets on behalf of third parties and we distribute no financial, insurance or pension products. ALG Club is neither a financial intermediary nor an insurance intermediary. Our content, guides and tools are educational: every investment decision is the sole responsibility of the person who takes it, and all investment carries a risk of capital loss.