The Wealth Builder

Model a savings plan including costs, inflation and sensitivity – based on fixed assumptions.

Assumptions

€
€
%
The average annual return you want to assume. Past returns do not guarantee future results.
%
Deducted monthly on a pro-rata basis. Other costs (custody, order fees) are not included.
%
years
Timing of contributions

Optional: withdrawal goal

€
In today’s purchasing power and before taxes. 0 = no goal.
%
The 4 % figure is a rule of thumb from US studies, not a guarantee. A lower rate requires more capital.

Result

Final value after 30 years (nominal)
€354,311
Final value in today’s purchasing power
€195,605
at 2.0% inflation p.a.
Total contributions
€100,000
Gain (nominal)
€254,311
Impact of running costs
€15,828
Difference to a path without costs (0.20% p.a.)
After 30 years: contributions €100,000, final value €354,311 nominal, €195,605 in today’s purchasing power.

Sensitivity

Final value after 30 years with a return 2 percentage points lower or higher (other assumptions unchanged).
Assumed return Value (nominal) Value (real, today’s purchasing power)
5.0% €237,929 €131,354
7.0% €354,311 €195,605
9.0% €536,034 €295,929
Annual overview (table)
Year Current age (optional) Total contributions Value (nominal) Value (real, today’s purchasing power) Impact of running costs
0 30 €10,000 €10,000 €10,000 €0
1 31 €13,000 €13,788 €13,517 €25
2 32 €16,000 €17,833 €17,140 €59
3 33 €19,000 €22,152 €20,874 €105
4 34 €22,000 €26,764 €24,726 €163
5 35 €25,000 €31,690 €28,702 €235
6 36 €28,000 €36,949 €32,810 €323
7 37 €31,000 €42,566 €37,056 €428
8 38 €34,000 €48,563 €41,448 €553
9 39 €37,000 €54,968 €45,995 €699
10 40 €40,000 €61,807 €50,704 €869
11 41 €43,000 €69,111 €55,583 €1,065
12 42 €46,000 €76,910 €60,643 €1,291
13 43 €49,000 €85,238 €65,892 €1,549
14 44 €52,000 €94,132 €71,340 €1,844
15 45 €55,000 €103,629 €76,998 €2,178
16 46 €58,000 €113,770 €82,875 €2,555
17 47 €61,000 €124,600 €88,984 €2,981
18 48 €64,000 €136,164 €95,337 €3,460
19 49 €67,000 €148,513 €101,944 €3,997
20 50 €70,000 €161,701 €108,820 €4,598
21 51 €73,000 €175,783 €115,977 €5,269
22 52 €76,000 €190,821 €123,430 €6,017
23 53 €79,000 €206,879 €131,193 €6,850
24 54 €82,000 €224,027 €139,282 €7,776
25 55 €85,000 €242,338 €147,713 €8,803
26 56 €88,000 €261,893 €156,502 €9,942
27 57 €91,000 €282,774 €165,666 €11,201
28 58 €94,000 €305,072 €175,226 €12,594
29 59 €97,000 €328,883 €185,198 €14,132
30 60 €100,000 €354,311 €195,605 €15,828

Assumptions used

  • Return 7.0% p.a. before costs, running costs 0.20% p.a.; monthly compounding at the effective annual rate.
  • Contributions at the start of each month.
  • Real values discounted to today’s purchasing power at 2.0% inflation p.a.
  • Taxes are not taken into account.
Model calculation. The calculation uses constant assumptions and is not a forecast, not a guarantee and not investment advice. Actual returns fluctuate and can be negative. Disclaimer