What could €X a month become?
A monthly amount, three illustrative return assumptions, costs and a bad year — on one chart, with no promises.
A “little each month” looks small, but over time it becomes a meaningful sum. The tool shows how a monthly amount could develop under three different return assumptions — not to predict what will happen, but to show the range and what drives it.
You enter the amount each month, for how many years and, if you like, a starting amount. The assumptions are 1%, 3% and 5% a year before costs and you can change them; you also set yearly costs, inflation and, if you wish, a bad year with a fall in value.
Sign in or create a free account to save results and share them with your advisor when you choose.
How to read the result
The main result is the value at the end under the middle assumption, after costs. You also see what you put in altogether and the value under the low and the high assumption. The chart shows the three paths year by year, the line of your deposits and, if you chose it, the path with the bad year.
The bad year takes the fall off at the end of the year you choose; after it the middle assumption carries on, with no rebound in prices assumed. You see when the value gets back to where it was before the fall, with deposits continuing. You also see what costs take away under the middle assumption, and the value in today’s money.
What you can do next
- See which level of risk fits you with the risk profile.
- If the goal is a child, try a gift for a child’s future; for a specific amount for studies, the education savings goal.
- Find room for the monthly amount with the monthly budget.
- Book an appointment to see with a licensed advisor which solution fits your goal and your time.
If you are signed in, you can save the result to My reports and, only if you choose to, send it to your advisor; nothing is shared automatically.
An estimate for information, not investment advice or a promise of returns. The returns are assumptions; what really happens may be lower, even with losses. Costs are taken off every year, the return compounds monthly and the deposit is made at the end of each month; taxes are not considered.
Why costs matter
A cost of 1% a year looks small, but it is taken every year from the whole amount built up, not just from your deposits, and the difference grows over the years. That is why, when you compare options, look at the costs and their effect on return as each product’s KID shows them.
