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Savings accounts about 2–3%, equities 6–8% in the long run

years

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€
More detailsMonthly · no annual increase · inflation 2% · without taxes
%

Annual increase of the savings rate

%

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Reach the goal via

€58,000 in deposits grow to €109,333 after 20 years at 5% interest. In today's purchasing power that is €73,578.

€50,000€100,0000 yr10 yr20 yr30 yr
Paid inInterestPurchasing power (today)Drag the handle to change the term.
  1. 19 yrFirst €100,000
  2. 20 yrFinal capital €109,333
Starting capital
€10,000.00
Instalments
+ €48,000.00
Interest
+ €51,333.14
Final capital
€109,333.14
Total return
88.5%
Effective annual returnInternal rate of return on your deposits
5.12%
Purchasing power in today's money32.7% loss of purchasing power (€35,755)
€73,578.07
Return after inflation
26.9%

What you can do

  • €50 more per month+€20,552

    Final capital then €129,885.

  • Save for 25 years+€44,582

    You pay in €12,000 more – compound interest does the rest.

  • With 2% inflation, your capital loses 33% of its purchasing power.

How this was calculated

Savings frequency: Monthly. Interest compounds on the current balance.

Solving for the final capital from savings rate, interest and term.

The earlier you start and the longer you save, the stronger the compound interest effect becomes. Time is your most important ally in building wealth.

Savings Calculator by Rechnerzentrale(opens in a new tab)