Tool
Investment plan
Project how much you'll accumulate starting from an initial balance and contributing every month, at the rate and number of years you set.
Accumulated balance
—
At the end of the term, before taxes and inflation
Total contributed—
Return generated—
Your money multiplied by—
Assumptions & method
- Monthly compounding: the initial balance grows as (1+i)^n and each monthly contribution as an annuity, with i = annual rate ÷ 12.
- Contributions at the end of each month, constant (not indexed to inflation).
- Gross return: before ISR (income tax), intermediary fees and inflation.
- The rate is an assumption; past returns do not guarantee future ones. No promises: this is arithmetic, not an offer.
FAQ
The essentials, in brief
What matters more: the contribution or the rate?
In the early years, the contribution; over long horizons, the rate — because of compounding. The discipline of contributing every month is the variable you actually control.
Where do I find those rates in Mexico?
Risk-free instruments like CETES (Mexican Treasury bills) pay the benchmark rate; funds, private debt or equities can pay more in exchange for taking on risk. Use a conservative rate to plan and review the assumption every year.
Should I adjust for inflation?
To know your real purchasing power, yes: you can subtract about 4% from the rate as an approximation, or cross-check the result with the inflation calculator.
Next step
Tell us about your deal
Tell us how much you need and what collateral you can offer. We'll tell you frankly whether it's viable and how we'd structure it.
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