ETF Calculator — return after TER and tax

TER (Total Expense Ratio) is the annual cost of managing the fund, expressed as a percentage of assets. It lowers your net return each year.

It is a 19% flat tax on investment profit, known as the "Belka tax". The calculator deducts it at the end.

Yes. You can add a regular monthly deposit on top of the starting capital, and the tool compounds both.

No. Market returns vary year to year; this tool assumes a constant rate for a simplified projection only.

Even a small annual fee compounds over decades, so a 0.2% versus 1% TER can mean tens of thousands of zł difference.

Yes. For accumulating ETFs the tax is typically paid on sale, which the end-of-period calculation reflects.