Calculators
Twelve tools for the questions that come before an order. What a savings plan becomes, what fees really cost, what stays after tax.
MOST USED
Compound interest
- Final value
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- You paid in
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- Interest earned
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After tax
German withholding tax, solidarity surcharge and the annual allowance of 1,000 euro applied to the gain above.
- Taxable gain
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- Tax at 26.375 percent
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- Net after tax
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Connect your portfolio
Live quotes, news and tax figures for your own positions in one view.
Choose brokerHow the compound interest calculator works
The four fields above start on a typical savings plan. Change any of them and the chart, the final value and the tax estimate recalculate at once. Nothing is stored and no account is needed.
Enter your starting capital
Whatever is already invested today. Leave it at zero if you are starting from scratch, because the savings rate alone carries the calculation.
Set the monthly rate and the horizon
Contributions are added at the end of each month and compounded monthly. The blue part of every bar is what you paid in, the lime part is what the return added on top, and the gap between them is the whole point of the exercise.
Read the figure after tax, not the gross one
The card beside the chart applies German withholding tax of 26.375 percent to the gain above the annual allowance of 1,000 euro. For accumulating ETFs the advance lump sum shifts part of that tax forward.
What the result does and does not say
A fixed annual return is an average and not a promise. Real markets deliver it in an uneven order, and the order starts to matter once you withdraw. Treat the final value as a scale rather than a forecast, and run it again with two percentage points less to see how much of the plan rests on the assumption.
Inflation is not included. At two percent a year, 100,000 euro in twenty years buys roughly what 67,000 euro buys today.
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