Guided planner

What would you like to work out?

Choose the question you want your plan to answer.

See what my savings could become You say what you can put aside and for how long. We show what it could grow into and its inflation-adjusted value. Work out what I need to save You name a target – a monthly income or a net worth – and we work out the monthly amount that reaches it, or how long your own amount needs to run.

Plan with my existing investments Pick what you own, give each a current value, a monthly plan and the return you expect, and see them projected together. Nothing you enter is saved.

What are you aiming at?

Name the target, then choose which part of the plan we should work out for you.

A monthly income The amount the portfolio could pay you every month, after estimated tax, at your withdrawal rate. A net worth A portfolio value to reach – a deposit, a number you have in mind, the point where you stop.

The income you want Every month, in today’s money, after estimated tax. €/mo

And what should we work out?

The monthly amount You set the timeline; we find what you would have to put aside each month to get there. How long it takes You set the monthly amount; we find how long it needs to run before you arrive.

How much have you already invested?

Include investments that should grow as part of this plan. Cash for emergencies can stay outside it.

€

€0 €10,000 €50,000

What should I include?

Enter the current market value of your investments.

€0
Starting fresh – your first investment is still ahead.
€10,000
Example: an ETF balance built over your first few years.
€50,000
Example: an established portfolio you keep invested.

What could you invest each month?

Pick something sustainable. A plan you can keep is more useful than an ambitious number you abandon.

€/mo

How should I choose a monthly amount?

Use the amount that fits your own monthly budget.

€200 / month
About €6.60 a day, or €2,400 over one year.
€400 / month
Our example: €4,800 a year before any growth.
€750 / month
A more ambitious €9,000 invested each year.

How long do you want to keep investing?

Every year means 12 contributions. The timeline ends exactly after the number of years you choose.

yrs

10 years 20 years 30 years

How should I choose a timeline?

Choose any full-year horizon from 1 to 60.

10 years
120 monthly investments – a nearer-term path.
20 years
240 investments give compounding more room.
30 years
360 investments. Retirement can begin at the next boundary.

How should we illustrate growth?

These are smooth planning assumptions – not forecasts. Choose the expected return after ongoing product costs. Real returns jump around and can stay negative for years.

%/yr

2% per year Capital-stable 7% per year Broadly diversified Default 10% per year Growth-oriented

How should I choose a return?

Use your own nominal annual return after ongoing product costs and compare at least one lower case later. “Default” marks the value the planner starts from – a worked example, not a recommendation.

2% per year
Example: an instant-access savings account or fixed-term deposit. Think steadier value, but rates change and may trail inflation. Illustrative – not a quoted bank offer
7% per year
Example: a long-term planning rate for broad global equities such as FTSE All-World or MSCI World. Both are still equity-only. Planning range 5–7%
10% per year
Example: an optimistic US large-cap assumption. The S&P 500 is concentrated in one market, so this is not a broad-world expectation. Compare 7% and lower. Stress-test 7% too

What does the history actually say?

Cash-like products

“Tagesgeld” is an instant-access or call savings account; “Festgeld” is a fixed-term deposit. In June 2026, the German household aggregates were 0.51% overnight and 2.16% for new fixed terms up to one year. Their January 2000–June 2026 averages were 0.72% and 1.69%. Individual offers vary.

Overnight data ↗ Fixed-term data ↗

MSCI World: a longer view

MSCI World covers large- and mid-cap stocks across developed markets. MSCI reports data through June 2026 and warns that pre-launch data are back-tested and past performance is no guarantee. The 7% choice is an illustrative planning rate; compare 5% and lower too.

Official MSCI index page ↗ Official MSCI factsheet ↗

Why 10% is an upside case

10% is an optimistic illustration, not a forecast. The official S&P page describes the index as 500 leading US large-cap companies covering about 80% of available US market capitalisation. That is one market, so compare 7% and lower rather than treating 10% as a baseline.

Official S&P 500 index page ↗

Set the final assumptions

Choose how the projection handles purchasing power and estimated tax on realised gains.

Inflation Used for every “inflation-adjusted” value

%/yr

Why 2.5%? It is a historically grounded planning default, not a forecast. The simple average of the published annual consumer-price inflation rates from 1950 through 2025, the latest complete year, is about 2.47%, or 2.5% rounded to one decimal place. Figures through 1991 refer to former West Germany and later figures to reunified Germany. Shorter periods can differ substantially, so compare other cases too. Destatis historical review ↗ Destatis annual CPI ↗

Estimated tax on realised gains

Pick the closest treatment. This rate applies only to the profit realised when investments are sold – not to the whole payout or account value.

🇩🇪 German equity fund Default. For a qualifying equity fund, 30% of gains are exempt and the remaining 70% uses the 26.375% standard rate. 🇩🇪 German standard 25% capital-income tax plus the solidarity surcharge, with no fund exemption. 🇦🇹 Austria A simplified flat 27.5% on the gain realised at sale. No solidarity surcharge, no fund exemption and no yearly allowance. No estimated tax Use only when gains are genuinely exempt, offset or fully covered by allowances (€1,000 per person or €2,000 jointly in Germany).

Another effective rate For another country, or your own tax estimate. %

This plan charges 18.46 % on every gain realised by a sale

Country-specific fund taxation and broker withholding are not modelled by a custom rate. 25% tax rule ↗ Solidarity surcharge ↗ Fund exemptions ↗