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Savings Plan Calculator

What your monthly savings grow into - with compounding.

Also available in German: Sparplan-Rechner →

Inputs

%

Discount / required rate

Also called: Required return, hurdle rate

Where to find it: Your own required return — or via CAPM (discount-rate calculator).

How to derive: Risk-free rate + beta × market premium. Equities typically 7–10%.

Result, live

Final value
–
Contributions
–
Growth
–

End-of-month contributions, monthly compounding. Taxes/fees not included.

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🔎 This valuation on real stocks

Currently below their fair value, valued with our full 21-model approach:

CNICF +82%China International Capital Corporation L… ADBE +79%Adobe Systems Incorporated ALPMY +77%Astellas Pharma Inc 2328 +76%PICC Property & Casualty-H CI +73%Cigna Corp ERIC-B +73%Telefonaktiebolaget LM Ericsson (publ) YSHLF +71%Yangzijiang Shipbuilding (Holdings) Ltd PUB +70%Publicis Groupe SA

The savings plan calculator shows what a fixed monthly contribution grows into over the years. Every deposit compounds from the month you pay it in, so small amounts add up to a surprisingly large sum. Perfect for planning an ETF or fund savings plan.

How the formula works

Unlike the compound calculator there is no lump sum here – just your ongoing deposits. Each deposit compounds monthly at r = return ÷ 12, and together they build the final balance.

Final = Contribution × ((1+r)^n − 1) ÷ r

Example: $150 a month at 6% p.a. over 15 years grows to about $43,623. You paid in $27,000, and growth adds roughly $16,623 on top.

How to read the result

  • Final value – the portfolio value at the end of the term.
  • Contributions – monthly amount × number of months, what you actually put in.
  • Growth – what the market added on top.
  • The curve rises almost linearly at first and gets noticeably steeper over the years.

What to watch out for

  • The return is an estimate – stock markets don't deliver the same figure every year.
  • Taxes (e.g. on distributions) and account fees are not deducted.
  • Inflation erodes purchasing power, so consider setting your contribution a little higher.

Frequently asked questions

How is this different from the compound calculator?
The savings plan calculator starts from zero and uses only your monthly contribution. The compound calculator also lets you add an initial lump sum. For a pure ETF savings plan, this one is the right choice.
Is a small monthly amount even worth it?
Yes. Time and consistency matter more than the amount. Starting early with a little often beats starting late with a lot, thanks to compounding.
What if I raise my contribution later?
The calculator uses a single fixed rate. If you plan to increase it, run the calculation in segments or test a few scenarios in turn to get a realistic range.

Not financial advice · No buy/sell recommendations · Past performance is not a guarantee of future results.