Investment Path Your money, in perspective

Savings plan calculator

What could my savings plan grow into?

Example

Value after 20 years

€90,925
A monthly amount, an optional starting sum and a yearly return. The answer comes from the same engine as the Full Simulator, which opens with this plan when you want to add withdrawals, a crash or a pension.As of · Reader-selected planning assumptions and 2026 tax rules

Your savings plan

Paid in at the start of each month; the return compounds monthly.

Value after 20 years

€90,925 From €48,000 paid in; €43,120 of it is compound growth.
In today's money€55,489what the value buys at the inflation assumed
After tax if sold in full€85,950in today's money: €52,453
Vorabpauschale paid on the way€195already taken out of the value above
Open this plan in the Full Simulator

How it is calculated

Compound interest, month by month

Each month's saving is paid in at the start of the month and earns that month's return; the yearly return is converted to the monthly rate that compounds to it. With tax switched off this is the textbook savings-plan formula.

What tax does to it

The Vorabpauschale each January, the rest at the sale

An accumulating equity fund pays a small advance tax every January; 30 percent of its gains are exempt and the Sparer-Pauschbetrag applies each year. The after-tax figure assumes everything is sold at the end, in one year.

What comes next

Withdrawals, a crash, a pension

The Full Simulator opens with this plan. Add a retirement phase, place a market crash, or replay past index returns against it.