Current for 2026•As of: July 2026

ETF Savings Plan Calculator 2026 calculate compound interest.

Calculate the final capital, return and costs of your ETF savings plan – with TER, taxes and inflation

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Savings plan

EUR
0 EUR100,000 EUR
EUR
25 EUR2,000 EUR
years
1 years50 years

ETF parameters

%
0.0 %15.0 %
%
0.00 %2.00 %

Advanced options

ETF savings plan: what is the TER?

The Total Expense Ratio (TER) is the overall cost ratio of an ETF. It is deducted annually from the fund's assets and covers management fees, custodian fees and other operating costs. Low-cost ETFs have a TER of 0.1-0.3%.

Final capital after costs & taxes (nominal)

112,420.91 EUR

Purchasing power today: 75,656.05 EUR · Profit: +59,420.91 EUR

Wealth development

Zeitreihen-Diagramm: Deposits endet bei 53,000.00 EUR; Final capital endet bei 120,915.77 EUR.0.00 EUR30,228.94 EUR60,457.89 EUR90,686.83 EUR120,915.77 EUR159131720Years
  • Deposits
  • Final capital

Return share

52.9%

+70,605.58 EUR

TER impact

1.7%

-2,029.07 EUR

Tax burden

-9,155.59 EUR

30% tax-free

Costs & taxes

Order costs- 0.00 EUR
TER (fund costs)- 2,029.07 EUR
Taxes (ongoing)- 660.74 EUR
Tax on sale (sec. 20 EStG)- 8,494.85 EUR
Total costs- 11,184.66 EUR

Final capital before sale tax: 120,915.77 EUR

Cost ratio: 1.7% of final capital

Partial exemption: 30% of returns tax-free

Inflation effect

Nominal value112,420.91 EUR
Purchasing power loss- 36,764.86 EUR
Real purchasing power75,656.05 EUR

That corresponds to 32.7% purchasing power loss

Effective return p.a.

+6.4%

after costs & taxes

Real return p.a.

+3.1%

after inflation

Capital development

YearDepositCostsReturnCapital
1+2,400.00-13.05+454.037,840.98
2+2,400.00-18.94+659.2210,881.26
3+2,400.00-25.25+878.7914,134.80
4+2,400.00-32.01+1,113.7817,616.56
5+2,400.00-39.23+1,365.2421,342.57
6+2,400.00-46.97+1,634.3425,329.94
7+2,400.00-55.24+1,922.3229,597.02
8+2,400.00-64.10+2,230.5034,163.42
9+2,400.00-73.58+2,560.3039,050.15
10+2,400.00-83.72+2,913.2444,279.67
11+2,400.00-94.58+3,290.9349,876.02
12+2,400.00-106.19+3,695.1155,864.94
13+2,400.00-118.62+4,127.6562,273.97
14+2,400.00-131.92+4,590.5369,132.58
15+2,400.00-146.16+5,085.8876,444.78

+ 5 more years

Notes

  • -With 2% inflation, your capital loses 33% of its purchasing power.
  • -For accumulating ETFs, the advance lump-sum tax (Vorabpauschale) has been due since 2018. The calculation uses min(base yield, actual gain) under Section 18 InvStG (base rate 3.20%, 2026).
  • -Selling at the end of the term triggers approx. €8,495 in additional taxes on the gain (sec. 20 (4) EStG, with advance lump sums credited under sec. 19 InvStG).
  • -For equity-ETFs, 30% of returns are tax-free (partial exemption).
  • -Over long investment horizons, market fluctuations can be well balanced out (cost-average effect).

Calculation without guarantee. Past returns are no guarantee of future performance. Not investment advice.

Important note

These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more

Sources & calculation basis

Our calculations are based on the following official sources (as of: July 2026):

Related guides

Building WealthFinancial Independence

ETF savings plan: everything you need to know

With our ETF savings plan calculator, you calculate how your investment develops over time. The calculator accounts for all relevant cost factors: TER (total expense ratio), order costs, taxes and inflation.

Advantages of an ETF savings plan

Diversification
With one ETF you invest in hundreds or thousands of stocks at once
Low costs
ETFs have significantly lower fees than actively managed funds (0.10-0.25% TER)
Flexibility
Savings rate adjustable at any time, no minimum term
Cost-average effect
Regular purchases mean you buy more shares when prices are low

How your ETF savings plan develops

Example: €200 monthly in an MSCI World ETF (7% return, 0.2% TER)

Example: €200 monthly in an MSCI World ETF (7% return, 0.2% TER)
ItemAmount
Monthly savings rate€200.00
Assumed return p.a.7.0%
TER (annual costs)0.2%
After 10 years (paid in: €24,000)~€34,500
After 20 years (paid in: €48,000)~€102,500
After 30 years (paid in: €72,000)~€236,000

Popular ETFs for savings plans

  1. iShares Core MSCI World: TER 0.20% - broad diversification across ~1,500 companies worldwide
  2. iShares Core S&P 500: TER 0.07% - the 500 largest US companies
  3. Vanguard FTSE All-World: TER 0.22% - incl. emerging markets, over 3,000 companies
  4. iShares Core DAX: TER 0.16% - the 40 largest German companies

Taxes on ETFs in 2026

Since the 2018 investment tax reform, ETF returns in Germany have been taxed with the flat-rate withholding tax (26.375% incl. solidarity surcharge). However, investors get some relief.

Tax advantages for ETF investors

Partial exemption
For equity ETFs, 30% of returns are tax-free → effective tax rate approx. 18.5%
Tax-free allowance
€1,000 (single) or €2,000 (married) per year completely tax-free
Tax deferral
For accumulating ETFs, most of the tax is only due upon sale
Exemption order
Be sure to set this up with your bank to make use of the allowance

Frequently asked questions about ETF savings plans

Everything important for beginners and advanced investors

With an ETF savings plan, every deposit is converted into ETF shares. Price gains and — for accumulating ETFs — reinvested dividends then keep working on their own and generate new returns (compound interest). Over long periods the compound-interest share clearly exceeds your own deposits: at €200/month and 7% p.a. over 30 years, €72,000 in deposits grows to around €236,000 in final capital.

An ETF savings plan is a regular, automatic investment in exchange-traded index funds (ETFs). You set up a monthly savings order with an online broker — from €25, many neobrokers are free. This way you benefit from the cost-average effect and invest independently of the current price level.

The Total Expense Ratio (TER) is the annual overall cost of an ETF, deducted daily on a pro-rata basis from the fund assets. It reduces the effective return. Low-cost MSCI World ETFs have a TER of 0.10–0.20%. The ETF savings plan calculator automatically deducts the TER from the stated return so you see the real final capital.

ETF gains in Germany are subject to the flat-rate withholding tax (25% + solidarity surcharge = 26.375%). For equity ETFs the partial exemption applies: 30% of returns are tax-free, giving an effective tax rate of around 18.5%. The tax-free allowance is €1,000 (single) or €2,000 (married). For accumulating ETFs, an advance lump-sum tax is due annually and is credited on sale.

For long-term wealth building, accumulating ETFs are usually more advantageous: dividends are reinvested immediately, the compound-interest effect works optimally, and there is no tax payment on distributions. Distributing ETFs are better if you need regular cash flows to live on — for example in retirement.

Financial experts recommend saving 10–20% of net income. More important than the amount is regularity: just €50 monthly over 20 years (7% p.a.) results in around €26,000. With €200/month over 25 years, that becomes around €162,000. Use the ETF calculator to compare different savings rates.

The MSCI World Index contains around 1,500 companies from 23 industrialized countries. Over the last 30 years it achieved an average of 7–9% p.a. (in euros, before costs). For planning purposes, 7% p.a. after inflation (real 4–5%) is considered a conservative benchmark. The ETF savings plan calculator lets you test different return assumptions.

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