Part of the topic: 👶 Family & children
Savings plan calculator (ETF)
Enter a start amount, a monthly rate, the duration and an expected annual return. The calculator shows the final value, your deposits and the gains.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter start capital, monthly rate and duration.
- Choose an expected return – broad global equity indices have historically returned around 6–8 % per year over long periods, with large swings.
- Optionally increase the rate each year and estimate the tax at sale.
Last checked: October 2026 · Based on: Standard annuity formula. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
What return should I assume?
For long-term planning many people use 5–7 % for a globally diversified equity ETF. That is not a promise: single years can be strongly negative.
How are ETF gains taxed in Germany?
With capital gains tax of 25 % plus solidarity surcharge (and church tax if applicable). For equity ETFs 30 % of the gain is tax-free (partial exemption), and 1,000 € a year (2,000 € for couples) is covered by the saver's allowance.
Is a savings plan better than a lump sum?
Statistically a lump sum often performs better because the money is invested longer. A savings plan spreads the entry over time and fits regular income.