ETF Savings Calculator
Plan an ETF savings schedule independently of national tax rules.
ETF savings growth
Calculate an ETF savings plan
Enter starting capital, monthly contributions, expected gross return, TER, and investment term. The calculator subtracts the expense ratio from the return assumption and treats monthly deposits as end-of-month investments.
Contributions and growth
The result separates the money you contribute from projected investment growth. This shows how much of the final value comes from deposits and how much comes from the assumed return.
Return after TER
TER is simplified as a reduction of the annual gross return. Trading costs, plan fees, spreads, and account charges are not included and may reduce the real result further.
Taxes stay separate
This global calculator does not estimate national investment taxes. Tax treatment depends on residence, fund type, distributions, and personal circumstances. Use the German or Austrian investment-account tax calculator when relevant.
Compare scenarios
Change the contribution, term, and return one at a time. A longer term can increase the compounding effect, but it also increases uncertainty. The chart makes the yearly difference visible.
Projection limits
The calculation assumes a constant average return. Real ETF prices fluctuate, deposits may change, and losses are possible. The result is a planning scenario, not a forecast or investment advice.