ETF Savings Calculator
Simulate wealth accumulation: compound interest, inflation, final portfolio with interactive charts.
READY
etf_savings_calculator.tool
READY
EUR
EUR
Jahre
%
Thesaurierend: Ertraege werden automatisch reinvestiert (im Zinseszins bereits enthalten).
Endvermoegen
104.185 EUR
Einzahlungen
48.000 EUR
Zinseszins-Gewinn
56.185 EUR
Rendite-Faktor
2,17x
117,05% Gewinn
Vermoegensentwicklung
+1% Rendite (8% statt 7%): Dein Endvermoegen waere 117.804 EUR statt 104.185 EUR — das sind 13.619 EUR mehr.
Entwicklung im Detail
| Jahr | Einzahlungen | Depotwert | Zinseszins |
|---|---|---|---|
| 0 | 0 EUR | 0 EUR | 0 EUR |
| 5 | 12.000 EUR | 14.319 EUR | 2.319 EUR |
| 10 | 24.000 EUR | 34.617 EUR | 10.617 EUR |
| 15 | 36.000 EUR | 63.392 EUR | 27.392 EUR |
| 20 | 48.000 EUR | 104.185 EUR | 56.185 EUR |
// HOW IT WORKS
A savings plan grows through regular contributions and compound interest. The tool projects the final value from a one-off sum, monthly savings and an expected return.
Formula
FV = P0·(1+r)^n + R · ((1+r)^n − 1) / r (r = period return, n = number of periods, R = rate per period)
Example
P0 = 10,000 €, R = 200 €/month, 7%/yr over 20 years → ≈ 145,000 € (≈ 58,000 € contributions).
Notes
- Use the per-period rate (annual return ÷ 12 for monthly saving) and a matching n.
- Returns are assumed constant; real markets fluctuate, and inflation lowers the real value.