DEGIRO Investment Calculator
Estimate your long-term portfolio value after compounding, contributions, and common DEGIRO-related costs.
What is a DEGIRO calculator?
A DEGIRO calculator is a planning tool that helps you estimate how your investments might grow over time when using the DEGIRO broker. Instead of only looking at headline returns, a good calculator should also account for practical costs such as transaction charges, currency conversion (FX) costs, and product expenses like ETF TER. Even small percentages can make a meaningful difference over a long period.
This page gives you a realistic projection model: you input your starting capital, monthly contributions, expected return, and cost assumptions, then the calculator estimates your final portfolio value and fee drag. It is useful for long-term investors who want a clearer view of compounding.
How this DEGIRO calculator works
1) Compounding and contributions
Each month, the model applies a monthly return derived from your annual return assumption. Then it adds your monthly contribution. Over long timelines, this compounding effect is usually the largest driver of results.
2) Fees and costs
After growth and contribution, the calculator subtracts estimated costs. You can adjust these to match your own investing style and market access:
- Annual connectivity/platform fee: A fixed yearly broker-related cost, divided monthly in the model.
- Monthly transaction fee: A simple monthly estimate for your regular buying activity.
- FX conversion cost: Applied when buying assets in non-base currency.
- Fund TER: Ongoing fund expenses, modeled as a small monthly drag.
3) Fee impact comparison
The calculator also computes a no-fee scenario. The difference between this and your fee-adjusted result shows the hidden long-term cost of frictions. This often helps investors optimize frequency, instrument selection, and currency handling.
Example scenario
Suppose you invest €5,000 today and add €300 per month for 20 years at an expected 7% annual return. With low costs, your projected value can be significantly higher than if you trade frequently or convert currencies too often. By tweaking the fee fields, you can test practical decisions:
- Buying once per month versus multiple small orders
- Choosing EUR-listed ETFs versus foreign listings
- Selecting lower-TER broad market funds
This is why a broker calculator is more than a number toy—it supports better process design.
How to improve your long-term result
Keep costs small and consistent
Most investors cannot control market returns, but they can control behavior and costs. Lower friction improves expected net returns and can reduce regret in flat markets.
- Use a clear monthly investing schedule
- Avoid unnecessary order splitting
- Prefer diversified, low-cost funds where suitable
- Minimize avoidable FX conversions
- Review your broker fee structure once or twice per year
Focus on time in the market
The biggest variable for most people is not perfect timing; it is consistency over many years. A practical plan you can follow is generally superior to a complex strategy you abandon after six months.
Limitations of this calculator
This DEGIRO calculator is an educational estimator, not a guarantee. Real-life investing outcomes vary.
- Markets are volatile and returns are not smooth month-to-month
- Fee schedules and product costs can change
- Taxes, withholding, and account-specific rules are not included
- Dividend timing and reinvestment details are simplified
Frequently asked questions
Is this an official DEGIRO calculator?
No. This is an independent planning tool designed to model common investing assumptions.
Can I use this for ETFs, stocks, and index funds?
Yes. The structure works for any recurring portfolio plan. Just adjust expected return and cost assumptions to match your holdings.
What annual return should I enter?
Use a conservative range based on your asset mix and risk profile. Many long-term planners test multiple scenarios (for example 4%, 6%, and 8%) to avoid overconfidence.
Final thoughts
A good DEGIRO calculator turns vague goals into numbers you can act on. If you build a consistent contribution habit, keep costs controlled, and stay invested long enough, compounding can do most of the heavy lifting. Use the calculator regularly, compare scenarios, and keep refining your plan with realistic assumptions.