Let’s talk facts.
Saving money in your bank account is basically watching your cash take a nap.
Mutual funds, though? That’s your money waking up, stretching, and clocking in for work every single month.

This calculator shows you exactly how that happens, down to the last kobo.
It’s not about vibes or “invest and pray.” It’s about seeing your wealth grow in slow motion, month after month.

🔍 What It Does

This tool breaks down how your monthly investments grow over time when you put them into a mutual fund.
You’ll see:

• How much you’ve invested overall
• Your total returns
• The management fees eating small pieces of your profit
• And the final number that actually hits your account

It’s basically your financial “before and after” reveal, but with numbers instead of abs.

⚙️ How To Use It

Step 1: Type in your Monthly Investment (₦)

Start with how much you plan to invest every month.
Could be ₦20k, ₦50k, or ₦100k.
Whatever you can stay consistent with.

Step 2: Add Your Expected Return (% per year)

Be realistic, not delusional.
Mutual funds aren’t ponzi schemes.
If you expect 12% per year, type 12.
The calculator uses that rate to project how your money compounds over time.

Step 3: Add the Management Fee (%)

This is the small chop your fund manager collects yearly.
Usually around 1 to 2%.
If you see anything like 5%, just know somebody is overfeeding.

Step 4: Set Your Investment Period (Years)

How long do you plan to leave the money to grow?
1 year? 5 years? 10 years?
The longer you stay in, the more the compounding magic kicks in.

Then click “Project My Wealth.”
Now the real gist begins.

📊 What You’ll See

The calculator breaks it all down like your salary at month-end.

1️⃣ Your Portfolio Value:
How much your entire investment will be worth at the end of your chosen period.

2️⃣ Total Invested:
How much of your own money you’ve actually put in over time.

3️⃣ Gross Returns:
The total profit before management fees take their share.

4️⃣ Management Fees:
How much your fund manager collects for doing the work.
(Think of it like paying a small commission for them to help your money grow.)

5️⃣ Net Profit:
The real gain you get after everyone has eaten.

6️⃣ Effective ROI:
The final truth.
What percentage you actually earned overall, the part that shows if it was worth it or not.

🪜 Timeline Magic

The calculator doesn’t just drop one big number and bounce.
It gives you a Milestones Timeline showing how your investment grows each year.
Year 1, Year 3, Year 5, you’ll literally see your balance leveling up.

It’s like watching your money glow up, one year at a time.

🧠 Why You Need This

Because in Nigeria, we’re all guilty of saying “I’ll start investing soon” like it’s a prayer point.
This tool ends the guesswork.
You’ll know exactly what your ₦50k monthly can turn into if you stay consistent.

Maybe ₦6 million after 10 years. Maybe more.
And when you see those numbers, you’ll stop seeing “₦50k” as small money.

🧩 Play Around With It

Change the numbers.
Try ₦20k per month for 5 years, then ₦100k for 10 years.
Watch how compounding interest does its thing.

It’s the best way to teach your brain that time + consistency = wealth.
Not vibes, not luck.

⚡ Final Take

Mutual Fund Breakdown isn’t just a calculator.
It’s a wake-up call.
You’ll realize that you don’t need 5 million to start investing, you just need discipline and time.

So next time your salary drops, before you blow it on vibes and shawarma, come back here and run the numbers.
You might just find your future self smiling at you through the graph.