Monthly Investment Calculator — Turkey
See how a monthly investment grows over time at Turkey'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 Turkey
BIST 100 nominal ≈ 35–45% p.a. (but TRY inflation is ~35%, so real returns are modest). Many Turks use gold, USD, or Eurobond funds to hedge. Platforms: Garanti BBVA, İş Yatırım.
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 ₺10.000 per month for 15 years at 30% p.a.:
- Future value: ₺34.510.434
- Total invested: ₺1.800.000
- Estimated gains: ₺32.710.434
That is roughly 19.2× your money - most of it from compounding. Scale the ₺10.000 to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Turkey
- 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 Turkey (2026)
Turkey's BIST 100 index (Borsa Istanbul) has delivered wildly uneven nominal price returns year to year — from −51.6% in 2008 to +196.6% in 2022 — largely because Turkish equity prices move together with the lira's depreciation and the country's inflation rate. Averaging the BIST 100's price-only annual returns from 2006 through 2024 gives a compound annual growth rate (CAGR) of roughly 18–19% nominal (excluding dividends). Over the more recent, higher-inflation period of 2021–2024, the compound annual return was much higher, around 55–60% nominal.
Turkey's annual consumer price inflation (Türkiye İstatistik Kurumu / TÜİK CPI, as reported by the Central Bank) has been falling from its 2022 peak, reaching 29.73% in September 2026. This means the site's previous flat 35%/year assumption sits close to but modestly above where current disinflation trends and long-run BIST history would suggest. We have adjusted the calculator's assumption down to 30% nominal annual return. This remains a nominal return: with CPI still near 30%, real purchasing-power growth can be modest or even negative in some years, even while the TRY balance itself grows quickly.
A more realistic example: investing ₺10,000 per month at a 30% nominal annual return for 10 years (120 months) grows to approximately ₺7,526,841 from ₺1,200,000 contributed — but if inflation averages around 31.5% per year over that decade, that future lira amount would only be worth roughly ₺486,800 in today's purchasing power.
Frequently Asked Questions
How does a monthly investment work in Turkey?
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 Turkey?
Long-term historical equity returns are around 30% per year here, though any single year can be sharply up or down. BIST 100 nominal ≈ 35–45% p.a. (but TRY inflation is ~35%, so real returns are modest). Many Turks use gold, USD, or Eurobond funds to hedge. Platforms: Garanti BBVA, İş Yatırım.
How much do I need to start investing in Turkey?
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 Turkey?
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 Turkey?
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.
Is a 30% annual return realistic for stock market investing in Turkey?
It is in the ballpark of Turkey's recent nominal equity experience. The BIST 100's price-only compound annual growth rate was about 18-19% from 2006-2024, but roughly 55-60% annually from 2021-2024 alone, driven by high inflation and lira depreciation. Because Turkish consumer inflation was still around 29.73% as of September 2026, a nominal return in the high-20s to low-30s percent range is a reasonable planning assumption today.
Why was the calculator's assumption lowered from 35% to 30%?
The 35% assumption was set during a period of very high Turkish inflation. Turkey's annual CPI inflation has been declining for several consecutive months, reaching 29.73% in September 2026, and the long-run (2006-2024) nominal CAGR of the BIST 100 was closer to 18-19% excluding dividends. A 30% nominal assumption better reflects this disinflation trend.
Does a high nominal return in Turkish lira mean my money is really growing?
Not necessarily. Nominal TRY returns above 30% look large, but Turkey's CPI inflation has also been running around 30% annually. If your investment's nominal return roughly tracks inflation, your real purchasing power may grow only slightly, or even shrink in years when inflation outpaces returns.
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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
Borsa Istanbul BIST 100 Index annual returns, 2006–2024 (compiled index-return dataset, accessed September 2026): BIST 100 Index (Turkey) Yearly Stock Returns. TCMB, Eylül Ayı Fiyat Gelişmeleri (6 October 2026) — annual CPI 29.73%, TÜİK data. TCMB, Consumer Prices statistics (accessed 15 October 2026). See our methodology and editorial policy for how we source and update this data.