How to use this calculator
- Enter a starting amount, if you have one, and the amount you can invest every month.
- Set the number of years and an assumed yearly return.
- Add the fund expense and any sales load.
- Read the estimated value, your growth and the comparison with a savings account.
- Test a lower return to see a cautious case.
Why investing a little every month works
Waiting for the perfect moment to invest keeps many people on the sidelines. A fixed monthly amount removes the guesswork, and over many years the contributions and the growth work together.
This calculator shows the effect of time, fees and consistency with your own numbers. It is not a forecast, so use it to build a plan and revisit it as your income and goals change.
Compare it with the government-backed Pag-IBIG MP2 calculator and read the fund comparison guide before you choose.
How the monthly investing estimate works
- Each month your contribution, minus any sales load, is added to the fund value.
- The fund grows each month at the assumed yearly return minus the yearly expense, divided by 12.
- The comparison column grows the same contributions at the savings rate you enter.
- Returns are assumptions. Real funds move up and down, and results can be lower than shown.
Tips to save more
- Automate the monthly transfer on payday.
- Keep fees low and read the fund fact sheet.
- Increase the amount each time your pay goes up.
- Do not invest money you will need within a few years.
Frequently asked questions
What is peso-cost averaging?
It means investing the same peso amount on a regular schedule. You buy more units when prices are low and fewer when prices are high, which smooths the average price you pay.
How much should I invest monthly?
Start with an amount you can keep up without touching your emergency fund. Even ₱1,000 a month builds the habit, and you can raise it with your pay.
Are mutual fund returns guaranteed?
No. Funds can lose value, especially over short periods. Choose a fund whose risk level fits your goal and time frame.
Why include fees?
Fees reduce your return every year. Over a long period a small difference in expenses can change the final value noticeably.
Is this better than a savings account?
Funds can earn more over long periods but with more risk, while savings protect your money but earn little. Use both for different goals.
Helpful guides and deals
More free tools
UITF Return Calculator Philippines Units, current value, gain and projected growth Pag-IBIG MP2 and Savings Growth Calculator Project your balance with regular deposits and interest Savings Goal Calculator How much to save each month, plus the 52-week challenge
This calculator gives estimates for planning only. It is not financial, tax or legal advice. Confirm exact figures with your employer, bank, lender or the relevant government agency.