ETF Savings Plan Calculator
Enter monthly contribution, expected return, term and TER to see the final value before costs, after fund fees and after capital gains tax with 30% exemption.
Final value (before costs)
€101,507.28
Final value (after TER)
€99,231.63
Final value (after taxes)
€92,367.52
Deposits
€48,000.00
Cost breakdown
Monthly return = (1 + return after TER)^(1/12) − 1 = 0.5497%, so that the annual return matches your input exactly. Contributions at the end of each month, start in January, sale at the end of the term. Tax: annual advance lump sum (Vorabpauschale) under § 18 InvStG (value at the start of the year × base rate 3.20% × 70%, capped at the year's increase in value, purchases during the year pro rata); the 2026 base rate is assumed for all years. 30% partial exemption (equity ETF), saver's allowance per calendar year, 26.375% incl. solidarity surcharge, no church tax. On sale, the advance lump sums already taxed reduce the gain (§ 19 InvStG). The ongoing tax is debited from your cash account; it is deducted in the net final value.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is an ETF savings plan?
An ETF savings plan allows you to invest a fixed monthly amount in exchange-traded funds. It offers broad diversification at low cost and benefits from the cost-averaging effect over time.
How much return can I expect from an ETF savings plan?
Historically, global equity ETFs (e.g., MSCI World) have returned about 7-8% per year before inflation over long periods. Past performance does not guarantee future returns.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
What is the ETF Savings Plan Calculator?
The ETF savings plan calculator simulates the performance of an ETF savings plan, accounting for costs (TER) and optional taxation.
How does the ETF Savings Plan Calculator work?
Enter the contribution, expected return, TER and investment period. The calculator determines the final portfolio value before and after ongoing costs using the effective monthly return. Optionally it includes taxes: the annual advance lump sum (with the 2026 base rate for all years), flat-rate tax on sale, the 30% partial exemption for equity funds and the saver's allowance per calendar year.
Key Data and Facts
Partial exemption for equity funds: 30%. Base rate for the advance lump sum 2026: 3.20%. Average TER for MSCI World ETFs: 0.10-0.20%. Historical average return MSCI World: approx. 7-8% p.a. nominal.
Step-by-Step Guide
How to calculate your ETF savings plan step by step: 1. Set the monthly savings rate: Possible from 25 EUR with most brokers. Many brokers offer free savings plans. 2. Enter the expected return: Historical average return of the MSCI World: about 7-8 % p.a. nominal. Conservative estimate: 5-6 %. Note: Past returns do not guarantee future earnings. The calculator converts the annual return into an effective monthly return: (1 + 7 %)^(1/12) - 1 = 0.565 % per month. Simply using 7 % / 12 = 0.583 % would give an effective 7.23 % per year. 3. Enter the TER (ongoing costs): Low-cost MSCI World ETFs cost 0.10-0.20 % p.a. The TER is automatically deducted from the fund's assets and reduces the return. 4. Choose the investment period: The longer it is, the stronger the compound interest effect. Recommended: at least 10-15 years for equity ETFs. 5. Take taxes into account: Accumulating ETFs are subject to the advance lump sum every year (value at the start of the year x base rate x 70 %, capped at the year's increase in value; base rate 2026: 3.20 %). Partial exemption for equity funds: 30 % of the earnings are tax-free. The saver's allowance of 1,000 EUR (2,000 EUR for married couples) applies per calendar year. On sale, the capital gain minus the advance lump sums already taxed is taxed at 26.375 %. Example: 250 EUR/month, 7 % return, TER 0.15 %, 20 years, saver's allowance 1,000 EUR. Paid in: 250 x 240 = 60,000 EUR. Final assets before costs (7 %): about 126,884 EUR. After TER (6.85 %): about 124,744 EUR, capital gain 64,744 EUR. Advance lump sums for years 1 to 19: about 18,687 EUR in total. 70 % of them are taxable; up to year 15 the allowance covers this, in years 16 to 19 about 316 EUR tax is due in total. Year of sale: 64,744 - 18,687 = 46,057 EUR gain plus 2,357 EUR advance lump sum of the previous year = 48,414 EUR, of which 70 % = 33,890 EUR, minus the 1,000 EUR allowance, times 26.375 % = about 8,675 EUR tax. Total taxes: about 8,991 EUR. Net final assets: about 115,753 EUR, almost double the amounts paid in. For comparison: taxing everything only on sale with a single allowance would mean about 11,690 EUR tax.
Calculation Example
250 EUR/month, 7 % return, TER 0.15 %, 20 years. Paid in: 60,000 EUR. Final assets after TER: approx. 124,744 EUR (before costs approx. 126,884 EUR). Capital gain: 64,744 EUR. Tax on advance lump sums during the term: approx. 316 EUR, tax in the year of sale: approx. 8,675 EUR. Net: approx. 115,753 EUR.
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
Finance
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