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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Calculation path

Step by step

  1. Set a monthly savings rate

    Result: €200.00

  2. Pay interest monthly

    Result: 0.4694%

  3. Determine the final capital from the savings plan

    Result: €131,014.43

course per year

Year Depot value
1 €2,462.93
2 €5,068.23
3 €7,824.11
4 €10,739.27
5 €13,822.94
6 €17,084.84
7 €20,535.28
8 €24,185.15
9 €28,045.99
10 €32,129.98
11 €36,450.03
12 €41,019.78
13 €45,853.66
14 €50,966.93
15 €56,375.76
16 €62,097.21
17 €68,149.36
18 €74,551.33
19 €81,323.33
20 €88,486.76
21 €96,064.23
22 €104,079.67
23 €112,558.41
24 €121,527.23
25 €131,014.43

Instructions

How to use this calculator correctly

How to use the calculator

  • Enter the monthly rate, term and return.
  • Optionally add start-up capital.

How to read the result

  • The final capital combines deposits and income.
  • The annual table shows how the savings plan grows.

Limits of the calculation

  • Taxes and fluctuating returns are not taken into account.

Related guide: ETF, savings plan and compound interest simply explained

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.

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Sources and notes

Rule status and context

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