Why don’t most investment calculators account for inflation, taxes and ETF fees?
**I recently tried a number of retirement and investment calculators** because I wanted to estimate how much I need to invest in a global ETF (VWCE) for retirement.
What surprised me is that most of them focus on future nominal dollars/euros. Very few answer the question I actually cared about:
**“What will this money actually be worth in today’s purchasing power after inflation, taxes and ETF fees?”**
So I built a small calculator for myself that focuses on those assumptions instead.
**It estimates investment growth, retirement income and FIRE using today’s purchasing power rather than just future nominal values.**
It’s completely free, has no ads, no tracking, and I’m not selling anything.
**I built it mainly for myself, but thought it might be useful to others as well.**
If anyone is interested, I’ll share the link in the comments.
**I’d really appreciate feedback, especially on the assumptions and calculations.**
Update: Since a few people asked, here’s the calculator: https://calc.ruslanpr.com