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.
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
Quick Answer
The ETF savings plan calculator simulates the performance of an ETF savings plan, accounting for costs (TER) and optional taxation.
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 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. 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: Advance lump-sum tax: charged annually on accumulating ETFs. Partial exemption for equity funds: 30 % of the earnings are tax-free. On sale: capital gains at 26.375 % (after partial exemption and saver's allowance). Example: 250 EUR/month, 7 % return, TER 0.15 %, 20 years. Paid in: 250 x 240 = 60,000 EUR. Final assets before costs (7 %): about 130,373 EUR. Return after TER (6.85 %): about 128,762 EUR. Capital gain: 68,762 EUR. Partial exemption (30 %): taxable gain: 48,133 EUR. After the saver's allowance and capital gains tax: tax burden on sale about 12,430 EUR. Net final assets: about 116,332 EUR. That is almost double the amounts paid in.
Calculation Example
250 EUR/month, 7% return, TER 0.15%, 20 years. Paid in: 60,000 EUR. Gross final assets: approx. 128,762 EUR. Capital gain: 68,762 EUR. Tax (after partial exemption): approx. 12,430 EUR. Net: approx. 116,332 EUR.
Sources · E-E-A-T
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.
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