Monthly Investment Calculator — Mexico
See how a monthly investment grows over time at Mexico's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero (up to 50 years) to see results.
Where to invest in Mexico
S&P Dow Jones Indices reports that the S&P/BMV IPC returned 7.17% a year in pesos, including dividends, over the 10 years to 31 December 2025. Mexicans commonly invest monthly through the iShares NAFTRAC ETF, which tracks the IPC, using brokerage apps or bank investment funds. Voluntary Afore contributions and personal retirement plans can be deducted up to the lesser of 10% of annual income or five annual UMAs.
Returns are long-term historical averages, not guarantees - markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing $4,000 per month for 15 years at 6% p.a.:
- Future value: $1,169,091
- Total invested: $720,000
- Estimated gains: $449,091
That is roughly 1.6× your money - most of it from compounding. Scale the $4,000 to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Mexico
- Automate a fixed monthly amount so you invest through good months and bad.
- Start small; you can raise the amount as your income grows.
- Favour low-cost, diversified funds over picking individual stocks.
- Stay invested through market dips - time in the market beats timing the market.
A real-data rate check: long-term returns in Mexico (2026)
The S&P/BMV Indices 2025 Annual Report from S&P Dow Jones Indices shows a total return, dividends included, of 7.17% a year in MXN for the S&P/BMV IPC over the 10 years to 31 December 2025. Results varied widely: 11.66% a year over 5 years and 35.16% in 2025 alone. Our default of 6% a year takes the 10-year figure and subtracts roughly 1 point for fund fees and costs.
Frequently Asked Questions
How does a monthly investment work in Mexico?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Mexico?
Long-term historical equity returns are around 6% per year here, though any single year can be sharply up or down. S&P Dow Jones Indices reports that the S&P/BMV IPC returned 7.17% a year in pesos, including dividends, over the 10 years to 31 December 2025. Mexicans commonly invest monthly through the iShares NAFTRAC ETF, which tracks the IPC, using brokerage apps or bank investment funds. Voluntary Afore contributions and personal retirement plans can be deducted up to the lesser of 10% of annual income or five annual UMAs.
How much do I need to start investing in Mexico?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Should I invest a lump sum or monthly in Mexico?
Investing monthly spreads your entry across market ups and downs (cost averaging) and is easier to budget. A lump sum can do better in a steadily rising market but carries more timing risk.
Is investing better than a fixed deposit in Mexico?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
Are investment gains taxed in Mexico?
For resident individuals, net gains on shares sold through the Mexican Stock Exchange are taxed at 10%, and dividends from post-2013 profits carry an additional 10% withholding.
What return should I assume for a monthly IPC investment in Mexico?
Around 6% a year in pesos. The S&P/BMV IPC returned 7.17% a year including dividends over the 10 years to December 2025, according to S&P Dow Jones Indices, and 6% allows about 1 point for costs.
How are stock market gains taxed in Mexico?
Net gains on shares sold through the Mexican Stock Exchange are taxed at 10% on the year's net gain. Dividends from profits generated after 2013 carry an extra 10% withholding.
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Sources
Return assumptions and rates are compiled from each country's central-bank publications, recognized market-index data and the typical offerings of major providers, reviewed for 2026 and subject to change. Returns are long-term historical averages, not guarantees. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
S&P Dow Jones Indices (accessed 12 October 2026): S&P/BMV Indices 2025 Annual Report. PwC Worldwide Tax Summaries (accessed 12 October 2026): Mexico – Individual – Income determination. Expansión (accessed 12 October 2026): Aportaciones a la Afore: se pueden deducir en la declaración anual.