Investing & Finance

ETF calculator

Portfolio development with final capital, income and optionally adjusted for inflation.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Calculation path

Step by step

  1. Determine net return

    Formula: Return − TER

    Values inserted: 6.50% − 0.20%

    Result: 6.30%

  2. Derive monthly interest

    Formula: i = (1 + annual return)^(1/12) − 1

    Result: 0.5104%

  3. Determine final capital from history

    Result: €151,173.99

course per year

Year Depot value
1 €13,715.67
2 €17,665.43
3 €21,864.02
4 €26,327.12
5 €31,071.40
6 €36,114.57
7 €41,475.45
8 €47,174.08
9 €53,231.71
10 €59,670.98
11 €66,515.92
12 €73,792.09
13 €81,526.66
14 €89,748.51
15 €98,488.34
16 €107,778.77
17 €117,654.51
18 €128,152.41
19 €139,311.68
20 €151,173.99

Instructions

How to use this calculator correctly

How to use the calculator

  • Enter starting capital, savings rate, return and term.
  • Only add TER and inflation if you want to take them into account.

How to read the result

  • Final capital is the nominal portfolio value.
  • Adjusted for inflation, this shows a cautious estimate of purchasing power.

Limits of the calculation

  • Taxes, tracking differences and variable returns are not modeled.

Related guide: ETF, savings plan and compound interest simply explained

Examples

Typical calculations

10,000 euros starting and 250 euros monthly.

Classic ETF plan

Final capital: €151,173.99

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Without start-up capital, 150 euros per month.

Savings plan only

Final capital: €42,618.40

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50,000 euros and 500 euros per month.

Greater wealth

Final capital: €193,278.88

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FAQ

Frequently asked questions

What does TER mean?

The TER are ongoing fund costs. In the calculator they are taken into account as a deduction from the expected return.

Is the return guaranteed?

No. The calculator works with an assumed average return.

Why is there a difference between the beginning of the month and the end of the month?

When deposited at the beginning of the month, the money works in the market for a month longer.

What does the inflation-adjusted value show?

It estimates the purchasing power of the final capital assuming inflation.

Can I count on it without starting capital?

Yes, just set the starting capital to 0 euros.

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Sources and notes

Rule status and context

methodology
Monthly simulation with net return after deducting the TER.
Note
Capital market returns are uncertain; the result is not a forecast.