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Savings plan calculator

Savings plan calculator: What will your fund savings plan become?

You save a fixed amount every month in a broadly diversified fund. Work out what it can become after many years.

Your savings plan

€
€
years
%

For example with your salary. 0 means the amount always stays the same.

Assumptions

Nobody knows these values exactly. Try out what changes.

%

Gross means before costs are deducted. Broadly diversified equity funds have earned around 7% per year on average over the long term. An assumption, not a forecast and not a guarantee.

%

Ongoing costs (TER). Typical for index funds are about 0.1 to 0.4%.

%

Prices rise over time. This shows what your money will be worth later in today’s prices.

  • Range from unfavourable to favourable
  • Expected
  • Contributions

How the amount is made up (without inflation)

  • Your contributions
  • Returns from compound interest
  • Of which lost to costsThis much more you would have without costs.

Model calculation, not investment advice and no guarantee. Prices fluctuate, and the actual development can turn out much better or much worse. Taxes are not included. BVH StartKapital does not recommend providers or products.

How the savings plan calculator works
  • The return minus the costs of the fund gives the annual return after costs. A monthly rate is calculated from it.
  • Every month the money grows at this rate, and then the savings amount is added. If the amount rises each year, the higher amount applies for a whole year at a time.
  • The range shows two further cases: an unfavourable one with 3 percentage points less return and a favourable one with 2 percentage points more.
  • In today’s purchasing power means: the amount is converted back to today’s prices using inflation.
  • Return, costs and inflation stay the same over the whole period. Taxes are not included.
  • Your entries are not saved and not transmitted.