ETF Savings Plan Calculator: what does your monthly contribution really add up to?
Start with today's capital, your monthly contribution and an expected return — and see instantly how much is contributions and how much is interest earned.
Simplified model with a fixed return, not investment advice. Actual returns fluctuate.
After 20 years you'd have roughly €105,377.00.
Assuming a return of 7% per year, before taxes and fees.
Final capital
€105,377.00
Contributed
€49,000.00
Interest earned
€56,377.00
How it works
The savings plan calculator in detail
Three things that shape a savings plan over the years.
Compound interest
Every gain gets reinvested and earns further gains on its own — the strongest lever over long horizons.
Regularity beats timing
A fixed monthly rate smooths out price swings (dollar-cost averaging) and doesn't require perfect market timing.
Time is the biggest factor
Saving ten years longer often matters more than a higher rate — try it in the calculator.
Frequently asked
Questions about the savings plan calculator
A savings plan calculator shows how starting capital plus a regular monthly contribution grows over time through compound interest — split into capital contributed and interest earned.
Broadly diversified equity ETFs have historically averaged roughly 6–8% per year before inflation over long periods — no guarantee for the future, just a rough guide for the input.
The calculator assumes a constant annual return and doesn't account for taxes, fees, or market swings — it's a rough guide, not financial advice.
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