Investment Calculator

Calculate the growth of your investments over time with compound interest and regular contributions, accounting for inflation to see real purchasing power.

Annual Interest Rate

0%7.5%15%

No interest: my money just sits in a bank

Final Value

179.147 €

Real Value

146.698 €

Investment Gains

60.147 €

Initial Investment (€)

120.000 €

Monthly Contribution (€)

500 € per month

Contribution Frequency:

AnnualMonthly

Investment Period (Years)

10 years

How long to invest and make contributions

Inflation Rate (%)

2.0%

Expected annual inflation rate

Withdrawal Starts at Year

Year 5

When to start withdrawing funds

Monthly Withdrawal (€)

1.000 € per month

Withdrawal Frequency:

AnnualMonthly

Tax Settings

Tax Rate (%)

42%

Tax rate applied to investment gains

Tax charged on withdrawal only

Tax is only applied when withdrawing funds (proportional to gains)

Investment Summary

Initial Investment:120.000 €

Monthly Contribution:500 €

Monthly Withdrawal:1.000 €

Withdrawal Starts:Year 5

Tax Rate:42%

Tax Method:On withdrawal only

Total Contributions (10 years):180.000 €

Total Withdrawals (10 years):61.000 €

Total Tax Paid (10 years):5.550 €