Build your projection

Shape the assumptions.

Explore the details behind your investment path.

Enter what you save – see what it grows into.

Your goal

Work out ?

Target ?

€/mo

Measured in ?

Taxes ?

Monthly saving ?

€/mo

Starting wealth ?

€

Starting tax basis ?

€

Yearly raise ?

%/yr

Saving phases ?

Current age ?

yrs

Years of saving ?

yrs

Smooth compounding at your assumption – useful for comparison, not a market forecast.

Return per year ?

%/yr

Volatility ?

%/yr

Index / asset ?

Yahoo Finance symbol ?

Off – the plan ends when saving stops.

Years in retirement ?

yrs

Withdrawal strategy

Converts the rate set under assumptions (4 % per year) to a monthly percentage of the current balance. Income follows the market and can fall sharply after losses.

Monthly payout ?

€/mo

Currency ?

Inflation ?

%/yr

Withdrawal rate ?

%/yr

Capital-gains tax ?

Simplified comparison only: a rate of 27.5 percent is applied to gains realised on sale using an average cost basis. Austrian fund taxation, reported distributions and distribution-equivalent income, and the broker’s actual KESt withholding are not modelled.

Church tax ?

9 % in most states, 8 % in Bavaria and Baden-Württemberg.

Yearly tax-free allowance ?

€

1,000 single · 2,000 jointly assessed. Resets every year; what you do not use is lost.

Vorabpauschale ?

Basiszins, published each January. 3.20 percent for 2026; it was negative in 2021 and 2022, which charged nothing. Over 30 years the rate you assume matters far more than any published one.

Which gains a withdrawal realises ?

Sells your oldest shares first, as German law prescribes. They carry the biggest gains, so early withdrawals are taxed harder and later ones more lightly.

Full investment simulator

Your projection

What this result means

Income streams ?

Income & spending by month ?

Cash balance ?

Portfolio value – by holding ?

Net worth – cash + investments

Net worth over time

Monthly cash flow

Investment income vs. contribution ?