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What will your ETF savings plan actually be worth?

Most calculators show you a fantasy number. This one also shows it in today's purchasing power — what that money will actually buy when you retire.

Your age today Retirement age Already invested (€) Monthly savings plan (€) Expected return p.a. 6.0 % Inflation p.a. 2.0 %

Portfolio at retirement (nominal)

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In today's purchasing power

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this is the honest number

Sustainable monthly income (4 % rule, today's money)

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a rule of thumb, not a guarantee

Projected growth (today's purchasing power) — your money at each age.

Where does the €400 a month come from? My free NEEDS/WANTS/KEEP budget planner finds it — the same file I use to pay my own savings plan first.

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Assumptions: monthly compounding, contributions at month-end, constant return and inflation, no taxes or fund costs (returns are before tax — in Germany remember the Vorabpauschale and capital-gains tax reduce net results). This calculator is financial education, not investment advice (WpHG). Past returns don't guarantee future results.