Savings Plan Calculator

Saving long term with a savings plan

A savings plan combines regular contributions with the effect of returns. Especially over long periods, even a moderate monthly rate adds up to substantial final wealth. The dynamic option models increasing your rate each year.

The calculator separates your total contributions from the capital gains. At a glance you see which part of the final wealth comes from your own payments and which from the return – and how that ratio shifts over the years.

Contribution, return or time – what matters most?

All three factors raise the final wealth, but differently. The contribution acts linearly: double the rate, double the result. Return and term act exponentially and only unfold their power over many years.

For young savers, time is therefore the most valuable lever. Those who start later can partly compensate with a higher rate – but have to pay in disproportionately more, because the missing years of compounding are hard to recover.

What the dynamic increase does

With the dynamic option you raise your monthly rate by a fixed percentage each year – for example in line with salary increases. At a €100 starting rate and a 3% dynamic, you pay €103 in the second year, €106.09 in the third and so on.

This keeps your contribution roughly constant in real terms if the dynamic matches inflation, and noticeably lifts the final amount without the increase being very noticeable day to day.

Important: returns are not guaranteed

The calculator assumes a constant annual return. In reality, equity markets fluctuate heavily – individual years can be clearly negative. The growth shown is a model calculation, not a forecast and not investment advice.

So run several scenarios (e.g. 4%, 6% and 8%) and consider the range rather than a single figure. The values are gross, before taxes and fund costs.

Frequently asked questions