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Investment Calculator (Gibraltar)

£
yr
%

Total value

GB£104,793

Expected return: 7%
Amount invested
GB£48,000
Estimated returns
GB£56,793
Total value
GB£104,793

Growth over time

120
Amount investedEstimated returns

Estimates only. Returns are not guaranteed; past performance does not predict future results.

How this investment calculator works

This free Gibraltar investment calculator projects how your money could grow in 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. Gibraltar's standout advantage: no capital gains tax, so your gross gains are effectively your net gains. The calculator also models fees and inflation, and uses sterling (the Gibraltar pound is at par with GBP).

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 6–9% 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 7%.

How fund returns are taxed in Gibraltar

Gibraltar is highly tax-efficient for investors: there is no capital gains tax, no wealth tax, no VAT and no withholding tax on fund distributions. This means a fund investor keeps 100% of their capital gains. Gibraltar's flagship fund vehicle is the Experienced Investor Fund (EIF), regulated by the Gibraltar Financial Services Commission (GFSC). With the after-tax toggle on, gross returns equal net returns — a clear advantage over the UK, where CGT applies above the annual exempt amount.

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 a substantial sum. Turn on the fees toggle to see your net-of-fees result. With no CGT in Gibraltar, fees are often the largest drag on returns to watch.

Investing from Gibraltar

Gibraltar's zero capital gains tax makes long-term, low-cost investing especially efficient — there is no tax penalty for selling and rebalancing. Many residents and cross-border investors use UK and global fund platforms. The Experienced Investor Fund (EIF) is the local regulated vehicle for sophisticated investors. Because there's no CGT, the after-tax view simply confirms you keep your full gains.

Is there capital gains tax on funds in Gibraltar?⌄
No. Gibraltar levies no capital gains tax, no wealth tax, no VAT and no withholding tax on fund distributions. A fund investor keeps 100% of their capital gains, so with the after-tax toggle on, gross returns equal net returns.
What is an Experienced Investor Fund (EIF)?⌄
The EIF is Gibraltar's flagship regulated fund vehicle, overseen by the Gibraltar Financial Services Commission (GFSC), aimed at sophisticated/experienced investors. It is a common structure for funds domiciled in Gibraltar.
What currency does the calculator use for Gibraltar?⌄
Sterling (£). The Gibraltar pound is issued at par with the British pound and the two circulate interchangeably, so figures are shown in pounds with UK-style formatting.
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.
Since there is no CGT, what should I watch most?⌄
Fees. With no capital gains tax to erode returns, the expense ratio (TER) becomes the biggest controllable drag. Turn on the fees toggle: a low-cost index fund or ETF at ~0.2% keeps far more of your return than a 1.5%+ active fund over decades.
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.