Invoice24 Logo

Investment Calculator (Cyprus) — Υπολογιστής Επένδυσης

€
έτη
%

Συνολική αξία

98.615 €

Αναμενόμενη απόδοση: 6,5%
Συνολική επένδυση
48.000 €
Εκτιμώμενη απόδοση
50.615 €
Συνολική αξία
98.615 €

Ανάπτυξη στον χρόνο

120
Συνολική επένδυσηΕκτιμώμενη απόδοση

Μόνο εκτιμήσεις. Οι αποδόσεις δεν είναι εγγυημένες· οι παρελθούσες αποδόσεις δεν προδικάζουν τις μελλοντικές.

How this investment calculator works

This free Cyprus investment calculator projects how your money could grow in mutual funds, index funds and ETFs. Enter a lump sum, a monthly amount, or both, choose an expected return and a time horizon, and it compounds month by month. A key local advantage: Cyprus charges no capital gains tax on securities or fund units, so the calculator shows that your gross gains are effectively your net gains. It also models fees and inflation.

Using each mode

  • Monthly: enter a regular contribution; the calculator invests and compounds it each month.
  • Lump sum: model a single investment growing over time.
  • Step-up: increase your contribution by a set percentage each year.
  • Withdrawal: draw a regular income from a balance and see how long it lasts.
  • Goal: set a target and solve for the contribution, lump sum, time or return required.

Toggle inflation-adjusted, fees, after-tax and the conservative/expected/aggressive scenario band.

What return should I assume?

Global equities have returned roughly 6–8% a year over the long run before inflation; a diversified equity fund is commonly modeled at 5–7% net of fees. Past performance does not guarantee future results — use the scenario range. The calculator defaults to 6.5%.

How fund returns are taxed in Cyprus

Cyprus is unusually favourable for investors: there is no capital gains tax on the sale of shares, bonds or fund units (CGT applies only to gains on Cyprus-situated immovable property). This means a long-term fund investor typically pays 0% on capital gains. Dividend and interest income may be subject to the Special Defence Contribution for tax-resident, domiciled individuals; many investors are exempt under the non-domicile rules. Source: Cyprus Tax Department / PwC Tax Summaries. With the after-tax toggle on, capital gains show gross = net.

How fees reduce returns

A fund's expense ratio (TER) is deducted every year and compounds against you. An index fund or ETF often charges 0.2%, while an active fund can charge over 1.5% — over decades that gap can cost tens of thousands of euros. Turn on the fees toggle to see your net-of-fees result.

Investing from Cyprus

Because Cyprus levies no capital gains tax on securities, low-cost index funds and ETFs held for the long term are highly tax-efficient. Many residents also benefit from the non-domicile regime on dividends and interest. The page is bilingual (Greek/English) reflecting how Cypriots actually search. Use the after-tax toggle to confirm the 0% capital-gains treatment.

Do I pay tax on investment or mutual fund gains in Cyprus?⌄
No. Cyprus does not levy capital gains tax on the sale of shares, bonds or fund units — CGT applies only to gains on Cyprus-situated immovable property. A long-term fund investor therefore typically pays 0% on capital gains. With the after-tax toggle on, gross gains equal net gains.
What return should I use for a Cyprus investment calculator?⌄
A diversified equity fund is commonly modeled at 5–7% a year net of fees, based on long-run global equity averages of roughly 6–8% before inflation. Returns are not guaranteed; use the conservative/expected/aggressive scenario band.
How is dividend income taxed in Cyprus?⌄
Dividend and interest income may be subject to the Special Defence Contribution for tax-resident and domiciled individuals, but many investors qualify as non-domiciled and are exempt. Capital gains on fund units remain untaxed regardless.
How do I calculate returns from monthly investing?⌄
Use the Monthly mode: enter your monthly contribution, the expected annual return and the number of years. The calculator invests and compounds each contribution and shows total invested versus estimated returns.
How much do fees cost over time?⌄
A lot. Because the expense ratio is charged every year on the whole balance, paying 1.5% instead of 0.2% can reduce a long-term result by tens of thousands of euros. Low-cost index funds and ETFs keep more of the return.
How much do I need to invest to reach my goal?⌄
Use Goal mode, set your target, and solve for the required monthly contribution, lump sum, time or return. The calculator works backward from your target at your chosen growth rate.