Savings Plan Calculator
What your monthly savings grow into - with compounding.
Free toolWhat is your stock worth? 35,000+ stocks valued in secondsFair value from 26 models plus a quality score. Free, no sign-up.Value a stock →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
End-of-month contributions, monthly compounding. Taxes/fees not included.
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.
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.