What is left of the end value after costs, tax and inflation?
Between gross and real there are three deductions, and the largest of them is rarely the tax.
The gross value is what the chart shows. From it comes the product cost, which is not a one-off but a small deduction from the return in every single year.
Then the tax on the gain, and at the end inflation, which does not take anything away but changes what the amount buys. Over thirty years that last step is usually the biggest one.
Over 30 years · US$10,000 · 7.0 % · Inflation 2.5 %
How to read this in the simulator
In the calculator this is the card about taxes, costs and inflation. Every field is pre-filled with a typical value for your country and every one of them can be changed.
What the figure does not say
The tax is simplified: it is calculated once at the end of the period, not year by year as a fund actually pays it. Rates and allowances are typical values and not your tax return.
Education, not advice. Disclaimer