Savings Calculator
Calculate how regular savings develop over time. With interest and compound interest. Online calculator with current 2026 market rates and clear breakdown.
Final capital
29.449,96 €
Depositen
24.000,00 €
Erhaltene Interest
5.449,96 €
| Jahr | Einzahlungen | Zinsen | Total |
|---|---|---|---|
| 1 | 2.400,00 € | 44,49 € | 2.444,49 € |
| 2 | 4.800,00 € | 188,58 € | 4.988,58 € |
| 3 | 7.200,00 € | 436,31 € | 7.636,31 € |
| 4 | 9.600,00 € | 791,92 € | 10.391,92 € |
| 5 | 12.000,00 € | 1.259,80 € | 13.259,80 € |
| 6 | 14.400,00 € | 1.844,51 € | 16.244,51 € |
| 7 | 16.800,00 € | 2.550,83 € | 19.350,83 € |
| 8 | 19.200,00 € | 3.383,71 € | 22.583,71 € |
| 9 | 21.600,00 € | 4.348,29 € | 25.948,29 € |
| 10 | 24.000,00 € | 5.449,96 € | 29.449,96 € |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much should I save each month?
A common guideline is the 50-30-20 rule: 50% for necessities, 30% for wants, and 20% for savings and debt repayment. The exact amount depends on your income and financial goals.
What are the best savings options in Germany?
Common options include savings accounts (Tagesgeld/Festgeld), ETF savings plans, building savings contracts (Bausparer), Riester pension, and employer-sponsored savings (VWL).
What is the Savings Calculator?
The savings calculator shows how regular contributions grow into wealth over time. It is suitable for savings goals and financial planning.
How does the Savings Calculator work?
Enter the monthly contribution, interest rate and savings period. The calculator determines the final capital including compound interest. Alternatively it computes the contribution needed to reach a given target.
Key Data and Facts
The savings plan formula accounts for contributions made at the beginning or end of each period. Flat-rate tax: 26.375%. Saver lump sum: 1,000 euros/person.
Step-by-Step Guide
How to calculate Ihr Sparziel step by step: 1. Sparrate festlegen: Bestimmen Sie den monatlichen Betrag, den Sie regelmaessig sparen koennen. Faustregel: 10-20 % des Nettoeinkommens. 2. interest rate bzw. Rendite enter: Tagesgeld: ca. 2,5-3,5 % (2026). Festgeld: ca. 3,0-4,0 %. Mischportfolio: ca. 4-6 %. 3. Spardauer choose: Wie viele Jahre moechten Sie sparen? 4. Endkapital calculate: Sparplanformel (nachschuessig): Endkapital = Sparrate x ((1 + Monatszins)^Monate - 1) / Monatszins. Bei vorschuessiger Zahlung wird ein zusaetzlicher Zinsmonat calculates. 5. Alternativ: Zielkapital vorgeben und die noetige Sparrate calculate. 6. taxes beruecksichtigen: Zinsertraege unterliegen der capital gains tax (Abgeltungssteuer) (26,375 %). Sparerpauschbetrag (1.000 EUR) reduziert die Steuerlast. Beispiel: 300 EUR monatliche Sparrate, 3 % interest, 10 Jahre Spardauer. Eingezahlt: 300 x 120 = 36.000 EUR. Endkapital: 300 x ((1,0025)^120 - 1) / 0,0025 = 41.927 EUR. Zinsertrag gross: 5.927 EUR. Nach Abzug Sparerpauschbetrag (1.000 EUR) und capital gains tax (Abgeltungssteuer): ca. 4.629 EUR net-Ertrag. net-Endkapital: ca. 40.629 EUR. Wuerden Sie die gleiche Summe auf einmal anlegen: 36.000 x 1,03^10 = 48.382 EUR (da Zinseszins ab day 1 auf vollen Betrag wirkt).
Calculation Example
300 EUR/month, 3 % interest, 10 Jahre. Eingezahlt: 36.000 EUR. Endkapital gross: 41.927 EUR. Zinsertrag: 5.927 EUR. Nach tax (abzgl. Pauschbetrag): ca. 40.629 EUR net.
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