ETF Savings Plan Calculator
Calculate the performance of your ETF savings plan. With returns, costs and taxes. Free with amortization schedule, interest comparison, examples for 2026.
Final value (before costs)
104.185,33 €
Final value (after TER)
101.691,71 €
Final value (after taxes)
92.042,63 €
Deposits
48.000,00 €
Cost breakdown
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
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.
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 after ongoing costs. Optionally the advance lump sum and flat-rate tax on sale are included, with the 30% partial exemption for equity funds.
Key Data and Facts
Partial exemption for equity funds: 30%. 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 Ihren ETF-Sparplan step by step: 1. Monatliche Sparrate festlegen: Ab 25 EUR moeglich bei den meisten Brokern. Viele Broker bieten kostenlose Sparplaene an. 2. Erwartete Rendite enter: Historische Durchschnittsrendite MSCI World: ca. 7-8 % p. a. nominal. Konservative Schaetzung: 5-6 %. Beachten Sie: Vergangene Renditen garantieren keine kuenftigen Ertraege. 3. TER (laufende costs) enter: Guenstige MSCI-World-ETFs costs 0,10-0,20 % p. a. Die TER wird automatisch aus dem Fondsvermögen entnommen und reduziert die Rendite. 4. Anlagedauer choose: Je laenger, desto staerker wirkt der Zinseszinseffekt. Empfohlen: mind. 10-15 Jahre fuer Aktien-ETFs. 5. taxes beruecksichtigen: Vorabpauschale: annually auf thesaurierende ETFs. Teilfreistellung Aktienfonds: 30 % der Ertraege sind steuerfrei. Bei Verkauf: Kursgewinne mit 26,375 % (nach Teilfreistellung und Sparerpauschbetrag). Beispiel: 250 EUR/month, 7 % Rendite, TER 0,15 %, 20 Jahre. Eingezahlt: 250 x 240 = 60.000 EUR. Endvermögen vor costs (7 %): ca. 130.373 EUR. Rendite nach TER (6,85 %): ca. 128.762 EUR. Kursgewinn: 68.762 EUR. Teilfreistellung (30 %): steuerpflichtiger Gewinn: 48.133 EUR. Nach Sparerpauschbetrag und capital gains tax (Abgeltungssteuer): Steuerlast bei Verkauf ca. 12.430 EUR. net-Endvermoegen: ca. 116.332 EUR. Das ist fast das Doppelte der eingezahlten Betraege.
Calculation Example
250 EUR/month, 7 % Rendite, TER 0,15 %, 20 Jahre. Eingezahlt: 60.000 EUR. Endvermoegen gross: ca. 128.762 EUR. Kursgewinn: 68.762 EUR. tax (nach Teilfreistellung): ca. 12.430 EUR. net: ca. 116.332 EUR.
Related Calculators
Consumer Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Interest & Compound Interest Calculator 2026 — Free Online
Calculate compound interest with the Rule of 72: capital doubles in 14 years at 5% p.a. Add monthly savings, get full amortization. Free, no registration.
Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.