Altersrechner
Berechnen Sie Ihr genaues Alter in Jahren, Monaten und Tagen.
Rechner
Sparplanrechner
Schätzen Sie, wie regelmäßige Anlagen im Laufe der Zeit wachsen könnten.
Währung: EUR · Beträge gelten in dieser Währung. Werte werden nicht umgerechnet.
Verwendet Ihre Zinssätze und die angegebene Formel. Gebühren und Steuern sind ausgeschlossen.
Ihre Angaben
Unterstützt von UtilBrixIhr Ergebnis
Estimated future value
1.161.695,38 €
- Total invested
- 600.000,00 €
- Geschätzte Rendite
- 561.695,38 €
Invested · 51,6%Returns · 48,4%
Assumes investments at the beginning of each month and monthly compounding. Returns are illustrative, not guaranteed.
Detaillierte Methoden, Beispiele und einige erweiterte Hinweise sind derzeit auf Englisch verfügbar.
Step-by-step instructions (English)
- Enter the planned monthly contribution and investment period.
- Enter an illustrative annual return; use the step-up field only if contributions will increase each year.
- Compare total contributions with projected growth, then rerun with a lower assumed return.
Formel und Methode
This projection assumes a deposit at the beginning of each month and compounds the balance at the annual rate divided by 12. A step-up increases the deposit once after each group of 12 contributions. Total returns equal projected value minus all contributions.
Ein praktisches Beispiel
Investing 5,000 currency units monthly for 10 years means 600,000 currency units in contributions. At an illustrative 12% annual rate, the beginning-of-month model projects approximately 1,161,695 currency units. Actual returns will differ.
When this tool is useful
Explore the effect of contribution size, investment duration, and annual contribution increases. Comparing several assumptions helps separate what you contribute from the hypothetical growth generated by the model.
Common mistakes and limitations
- The rate is an assumption, not a forecast or promised return. Real investment values can fall.
- This model deposits at the beginning of each month; end-of-month deposits produce a different projection.
Practical questions about this tool (English)
Does annual step-up increase the investment return?
No. Step-up increases the amount you contribute after each year of monthly deposits. It changes cash contributions, while the assumed return rate remains a separate input.
Are taxes and fund fees included?
No. The projection compounds the selected rate without modeling taxes, fees, inflation, or changing market returns. It is an illustration, not a product recommendation.
References and further reading
These figures are estimates for information only, not financial or tax advice. Actual terms, fees, rates, and returns can differ. Read the financial disclaimer.