Investment calculator
1,000 lari put in on 10.11.2021 would be 1,321.47 lari today in the S&P 500 fund VOO, 1,799.16 lari in gold, 926.24 lari in bitcoin and 821.74 lari in dollars. Try your own plan: starting amount, monthly amount, fees, lari or dollars.
Calculate
Pick up to 3 assets, a start date and amounts: see what you would have today, on real prices and NBG rates.
Assets
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What 1,000 lari became
Today's value of 1,000 lari invested at once, and of 100 lari invested every month for 5 years. No fees, prices without dividends.
| Asset | 1,000 GEL at once | 100 GEL a month, 5 years (6,100.00 ₾ put in) | ||
|---|---|---|---|---|
| 1 year ago | 3 years ago | 5 years ago | ||
| VOO (Vanguard S&P 500 ETF) | 1,048.46 ₾ | 1,623.98 ₾ | 1,321.47 ₾ | 8,375.57 ₾ |
| QQQ (Invesco QQQ Trust) | 1,027.42 ₾ | 1,693.91 ₾ | 1,409.80 ₾ | 9,069.66 ₾ |
| SCHD (Schwab U.S. Dividend Equity ETF) | 1,280.69 ₾ | 1,482.64 ₾ | 1,119.64 ₾ | 7,726.92 ₾ |
| Gold | 943.80 ₾ | 1,977.57 ₾ | 1,799.16 ₾ | 9,520.32 ₾ |
| Silver | 986.90 ₾ | 2,186.75 ₾ | 1,724.64 ₾ | 10,038.31 ₾ |
| Bitcoin | 661.03 ₾ | 1,880.51 ₾ | 926.24 ₾ | 9,847.40 ₾ |
| Ethereum | 544.24 ₾ | 935.50 ₾ | 359.76 ₾ | 5,333.02 ₾ |
| AAPL (Apple Inc.) | 1,236.19 ₾ | 1,788.62 ₾ | 1,931.01 ₾ | 10,177.51 ₾ |
| NVDA (NVIDIA Corporation) | 803.96 ₾ | 3,314.10 ₾ | 4,658.61 ₾ | 21,547.29 ₾ |
| US dollar (cash) | 958.19 ₾ | 959.15 ₾ | 821.74 ₾ | 5,779.18 ₾ |
| Lari deposit at 9.5% (assumption) | 1,094.93 ₾ | 1,313.01 ₾ | 1,574.14 ₾ | 7,722.49 ₾ |
| Inflation: lari needed to buy the same things | 1,054.34 ₾ | 1,119.40 ₾ | 1,237.28 ₾ | - |
Data as of 10.11.2026. The deposit row assumes a constant rate (today's median of the banks' 12-month lari deposits), not the historical rates.
Gold, S&P 500, Bitcoin or a deposit: a short comparisonHow it is calculated
Each purchase uses that day's close, and lari are converted to dollars at the NBG official rate in effect that day. A contribution falling on a weekend or holiday buys at the next trading day's close.
The fee is taken from each contribution. Value today = units bought x latest price x today's rate. The return in lari and in dollars differs by exactly the change in the lari rate.
The yearly return (XIRR) takes into account when each amount went in: money added late had less time to grow. Profit after inflation = value today minus every contribution brought to today's prices by Geostat's index.
Stock and ETF prices exclude dividends (split-adjusted, as they traded), so funds that pay dividends did a little better in reality. Taxes are not applied in the historical mode.
Data sources
Prices: recent weeks are GFX.GE's own records; older daily closes come from Yahoo Finance (stocks and ETFs), Binance and Kraken (crypto) and gold-api.com (metals). Lari rate: National Bank of Georgia. Inflation: Geostat. Deposit rate: the NBG deposit comparison page.
FAQ
What is monthly investing (DCA)?
Buying the same amount at regular intervals, for example every month, whatever the price. In expensive months you buy fewer units, in cheap months more. It lowers the risk of putting everything in on one bad day, but does not guarantee a profit.
Why is the return different in lari and in dollars?
Most assets are priced in dollars. When the lari strengthens, a dollar asset is worth fewer lari, and the other way round. The calculator shows both and the difference, which is only the change in the exchange rate.
What is the yearly return (XIRR)?
The average yearly return that accounts for the date of each contribution. With monthly investing it is more accurate than a simple percentage, because part of the money only went in recently.
What does the largest temporary loss mean?
The moment the portfolio was furthest below the money put in. It shows what you would have had to sit through, even if you ended in profit.
Why are dividends not included?
The historical mode uses exchange prices, which exclude dividends. To see their effect, use the future scenario, where the dividend yield and reinvestment are set separately.
Is the future scenario a forecast?
No. It only shows what a yearly return of your choice would produce. You can fill in the last 5 years' return with one click, but the past does not repeat itself.
The calculation is for information and relies on past prices. Past results do not guarantee future ones. This is not investment advice.