Capital Requirement Calculator by Rechnerzentrale

What are you saving for?

Target amount

Tap to type · drag sideways to adjust

In how many years?

years

You can also drag the handle on the chart

Expected return p.a.

Tap to type · drag sideways to adjust

Existing capital

€

More detailsnominal goal · before tax

Goal in today's purchasing powerThe goal is raised by the assumed inflation up to the target year

After tax (fund portfolio, equity funds)On sale, flat-rate tax + solidarity surcharge is due on the gain after 30% partial exemption and saver's allowance (Section 32d, 20(9) EStG, Section 20 InvStG). Without church tax and advance lump sum.

Required monthly savings rate

per month for 10 years

€500.93

To reach €100,000 in 10 years, save €500.93 per month. Interest contributes €29,889.

ContributionsInterestGoalDrag the handle to change the time horizon – the savings rate adjusts.

6 yrHalfway there
10 yrGoal €100,000

6 yrHalfway there
10 yrGoal €100,000

6 yrHalfway there

10 yrGoal €100,000

Target amount: €100,000.00
ShortfallGoal minus existing capital with interest: €82,091.52
Total contributions: €70,111.19
Interest earned: + €29,888.81
Interest share: 29.9%

Wealth accumulation

Contributions€70,11170%
Interest€29,88930%

What you can do

Save for 15 years instead−€239.48
The savings rate drops to €261.45 per month.

How this was calculated

Shortfall = €100,000 − €10,000 × (1 + 6%)^10 = €82,091.52

Savings rate = Shortfall × q ÷ ((1 + q)^120 − 1), q = 6% ÷ 12 = €500.93

Higher returns lower the required savings rate, but come with more risk.

0-2%: savings and time deposit accounts (very safe)
3-5%: bond ETFs, mixed funds (conservative)
5-7%: world ETFs like MSCI World (long-term)
7-10%: equity-heavy portfolios (higher risk)

Automate your savings rate with a standing order
Take advantage of compound interest by saving early
Higher returns bring more risk – diversify
Adjust your time horizon if the savings rate is too high

The calculations are based on a constant return. In reality, returns fluctuate. The longer the time horizon, the more likely the assumed average returns become.

Capital Requirement Calculator by Rechnerzentrale(opens in a new tab)