Investing & Finance

ETF savings plan calculator

Monthly savings rate, term and return – final capital and annual table.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Related guide: Understanding ETFs, savings plans and compound interest

Examples

Typical calculations

Save for 25 years.

200 euros per month

Final capital: €131,014.43

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5,000 euros and 300 euros per month.

With start-up capital

Final capital: €132,759.79

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100 euros per month at 4.5 percent.

Positioned more defensively

Final capital: €24,952.85

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FAQ

Frequently asked questions

Why have your own ETF savings plan calculator?

It focuses on the monthly rate and the portfolio development of a classic savings plan.

Do I need start-up capital?

No. An ETF savings plan can also be planned with 0 euros starting capital.

Why does capital grow slowly at the beginning?

Because deposits are what work first and the compound interest increases over time.

Are distributions included?

In simple terms, the calculator works with a total return.

Is the return after cost?

In the calculator, the TER is deducted from the assumed annual return.

What return is realistic for an ETF savings plan?

Broadly diversified stock ETFs have returned an average of around 5 to 8 percent per year over the long term. However, the past is no guarantee for the future, so it is worth making a cautious assumption.

What does the TER mean for an ETF?

The TER is the fund's total annual expense ratio. It is continuously taken from the fund assets and deducted directly from the assumed return in the calculator.

How strong is compound interest over the years?

The longer the term, the greater the share of income in the final capital. Over 20 to 30 years, the compound interest can significantly exceed the pure deposits.

Is it worth increasing the savings rate later?

Yes. A higher savings rate noticeably increases the final capital. Even small, regular increases have a powerful effect over many years.

Related calculators

Continue seamlessly

ETF calculator

Calculate ETF growth from starting capital, monthly savings, return and time horizon.

Sources and notes

Rule status and context

methodology
Monthly simulation of an ETF savings plan with a constant savings rate.