Savings and investing
Build wealth with regular savings.
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One calculator for savings, loans and withdrawals
Plan your savings, calculate a loan payment or find out how much you can withdraw each month. Work forwards or backwards from your financial goal, with compound interest and extra payments.
✓ Savings and compound interest✓ Loan payments and repayments✓ Withdrawals and retirement plans✓ Extra payments and CSV export
STEP BY STEP
Guided calculation
Choose a purpose, choose what you want to calculate, then enter the known values. No formulas or negative signs needed.
- 11 Purpose
- 22 Question
- 33 Values
What would you like to calculate?
Which value should be calculated?
Enter the values you know
Leave the value you want to calculate blank.
€
€
%
years
€
Additional settings (optional)
€
%
Dividends of 4% mean entering 4, not 0.04. Negative rates represent fees.One line per payment, such as 5: 10000 (year 5) or Monat 18: 2500 (month 18). Negative values are withdrawals.
Enter positive amounts. For 4% enter 4.
Illustrative calculation using a constant interest rate. Not financial advice. Taxes, inflation and rate changes are not included. No lifetime pension is guaranteed.
Already know the details? Use the full expert calculator below. Expert calculator
Savings and compound interest · Loan payments and repayments
What would you like to calculate?
Loan and financing
Calculate repayments and remaining debt.
Capital withdrawals
Plan regular payments from your capital.
Retirement income plan
Plan additional retirement income for a fixed term.
YOUR RESULT
Projected final capital
Illustrative calculation341,628.89 €
Below target-58,371.11 €
Net contributions200,000.00 €
Net interest141,628.89 €
Dividends / fees (net)0.00 €
Gain versus contributions141,628.89 €
Balance over time
Balance over time
Balance
Payments occur at month-end. Negative balances indicate outstanding debt. The table shows each year's values.
Annual balance overview
Annual balance overview
| Period | Net contributions | Net interest | Dividends / fees (net) | Balance |
|---|---|---|---|---|
| Start | 200,000.00 € | 0.00 € | 0.00 € | 200,000.00 € |
| Year 1 | 200,000.00 € | 11,000.00 € | 0.00 € | 211,000.00 € |
| Year 2 | 200,000.00 € | 22,605.00 € | 0.00 € | 222,605.00 € |
| Year 3 | 200,000.00 € | 34,848.28 € | 0.00 € | 234,848.28 € |
| Year 4 | 200,000.00 € | 47,764.93 € | 0.00 € | 247,764.93 € |
| Year 5 | 200,000.00 € | 61,392.00 € | 0.00 € | 261,392.00 € |
| Year 6 | 200,000.00 € | 75,768.56 € | 0.00 € | 275,768.56 € |
| Year 7 | 200,000.00 € | 90,935.83 € | 0.00 € | 290,935.83 € |
| Year 8 | 200,000.00 € | 106,937.30 € | 0.00 € | 306,937.30 € |
| Year 9 | 200,000.00 € | 123,818.85 € | 0.00 € | 323,818.85 € |
| Year 10 | 200,000.00 € | 141,628.89 € | 0.00 € | 341,628.89 € |
How it works
How this calculator works
Savings and investing
Savings: use positive starting capital and deposits. Calculate the savings rate or the time needed to reach a target.
Loan and financing
Loans: enter the borrowed amount as negative capital and the target as zero. A positive monthly payment reduces the outstanding debt. Extra repayments are possible.
Capital withdrawals
Withdrawals: enter positive starting capital and a negative monthly payment. Calculate how much you can withdraw while keeping a chosen balance.
Retirement income plan
Retirement plan: calculate withdrawals over a fixed number of years. This is not an insured or guaranteed lifetime pension.
Calculation assumptions
The annual nominal rate is assumed constant. Interest accrues monthly and is credited according to the selected frequency. Monthly payments occur at month-end; annual payments, dividends and percentage fees at year-end. Dividend yields are reinvested and should not also be included in the annual interest rate. Results are rounded, so small differences from the target can remain. Taxes, inflation, changing rates and bank-specific fees are not modeled.
Illustrative calculation using a constant interest rate. Not financial advice. Taxes, inflation and rate changes are not included. No lifetime pension is guaranteed.
Kn = K0 · (1 + p)n
Frequently asked questions
How do I calculate a monthly savings payment?
Enter your target balance, starting capital, annual interest and duration, then click From target beside the monthly payment field.
How do I calculate loan repayments?
Use the guided loan option. The assistant sets the correct signs. Alternatively, enter the loan amount as negative starting capital, set the target to zero and calculate the monthly payment.
Can I calculate a lifetime pension?
No. The withdrawal plan models payments over a chosen number of years, not a guaranteed lifetime annuity.
How do I enter a 4% dividend yield?
Enter 4, not 0.04. Negative values represent percentage fees. Dividend yields are reinvested annually.