Plan your wealth building with compound interest, inflation and taxes.
Compound interest effect
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.
Final capital (nominal)
109,333.14 €
Purchasing power today: 73,578.07 €
After 20 years at 5% return
Breakdown of final capital
That corresponds to a 32.7% loss of purchasing power
Total return
+88.5%
Real return
+26.9%
| Year | Deposit | Interest | Capital |
|---|---|---|---|
| 1 | +2,400.00 | +567.39 | 12,967.39 |
| 2 | +2,400.00 | +719.21 | 16,086.60 |
| 3 | +2,400.00 | +878.79 | 19,365.39 |
| 4 | +2,400.00 | +1,046.54 | 22,811.93 |
| 5 | +2,400.00 | +1,222.87 | 26,434.80 |
| 6 | +2,400.00 | +1,408.23 | 30,243.03 |
| 7 | +2,400.00 | +1,603.06 | 34,246.09 |
| 8 | +2,400.00 | +1,807.87 | 38,453.96 |
| 9 | +2,400.00 | +2,023.15 | 42,877.11 |
| 10 | +2,400.00 | +2,249.45 | 47,526.55 |
| 11 | +2,400.00 | +2,487.32 | 52,413.87 |
| 12 | +2,400.00 | +2,737.36 | 57,551.23 |
| 13 | +2,400.00 | +3,000.20 | 62,951.44 |
| 14 | +2,400.00 | +3,276.49 | 68,627.92 |
| 15 | +2,400.00 | +3,566.91 | 74,594.83 |
+ 5 more years
Calculation without guarantee. Past returns are no guarantee of future performance.
Important note
These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more
Our calculations are based on the following official sources (as of: July 2026):
Statistical data on salaries and the economy
Plan your investment with compound interest, inflation and taxes
Our savings calculator helps you plan your investment. Calculate how regular deposits develop over time – taking compound interest, inflation and taxes into account.
The calculator lets you play through different scenarios and find out which savings rate you need for your financial goals or what final capital you can reach with your current savings rate.
The eighth wonder of the world for your wealth building
Albert Einstein is said to have called compound interest the "eighth wonder of the world." The effect: your interest itself earns interest. The longer you save, the stronger this effect becomes.
| Item | Amount |
|---|---|
| €200 monthly at 7% | €200 |
| Deposited | €24,000 |
| Interest | + €10,000 |
| Final capital | ~€34,000 |
| Item | Amount |
|---|---|
| €200 monthly at 7% | €200 |
| Deposited | €48,000 |
| Interest | + €56,000 |
| Final capital | ~€104,000 |
| Item | Amount |
|---|---|
| €200 monthly at 7% | €200 |
| Deposited | €72,000 |
| Interest | + €173,000 |
| Final capital | ~€245,000 |
Bottom line: After 30 years, €72,000 in deposits grows to over €245,000 – more than €170,000 is interest! Time is your greatest ally in building wealth.
Preserving purchasing power through sufficient returns
Inflation reduces the purchasing power of your money. At 2% inflation, your money loses about half its value over 35 years.
Important: To preserve purchasing power, your return must at least match the inflation rate! An investment with a 2% return at 3% inflation leads to a real loss of purchasing power.
Flat-rate withholding tax and tax-free allowance
In Germany, capital gains are taxed with the flat-rate withholding tax (Abgeltungssteuer):
Tax-free allowance 2026: The first €1,000 (singles) or €2,000 (married couples) of capital gains per year are tax-free! Set up an exemption order (Freistellungsauftrag) with your bank.
The right investment type for your goals
For long-term wealth building, equity ETFs are often the better choice. Here is a comparison of the most important investment types:
*Historical average returns, not a guarantee for the future.
Automatic adjustment for maximum wealth building
A dynamic savings rate increases annually by a fixed percentage (e.g. 3%). This offers several advantages:
| Item | Amount |
|---|---|
| Monthly savings rate | €200 |
| Total deposits | €72,000 |
| Interest | + €173,000 |
| Final capital | ~€245,000 |
| Item | Amount |
|---|---|
| Starting savings rate | €200 |
| Total deposits | ~€114,000 |
| Interest | + €219,000 |
| Final capital | ~€333,000 |
Difference: With a dynamic savings rate, you achieve €89,000 more final capital – for only €42,000 more in deposits!
How to get the most out of your savings plan
These calculations are for illustration purposes and do not replace professional financial advice. Past returns are no guarantee of future returns. Investing always carries a risk of loss.
Everything important about the savings calculator
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