€300 a month into an ETF savings plan: what does that actually become after 20 years? And what is it worth in real terms once you account for inflation? I built this calculator because I wanted a concrete answer to that question.
ETF Savings Plan, Einmalanlage, Immobilienrendite: mit Inflation
Inflation adjustment is particularly important: £100,000 in 30 years is worth only around £55,000 at 2% inflation. The calculator therefore always shows both values – nominal final capital and real purchasing power.
Tip: Compare the ETF savings plan with property – and note that the property calculation excludes purchase costs (approx. 10–15%), maintenance and taxes.
Enter your income and expenses – and see how much is left at the end of the month
The 50-30-20 rule is a tried-and-tested guideline: 50% for essential needs (rent, groceries, transport, insurance, utilities), 30% for personal wants (leisure, subscriptions, shopping, restaurants) and 20% for saving and debt repayment. The budget calculator checks your entries against these targets and shows you a traffic-light rating for each category.
Tip: Use the savings potential analysis to find specific subscriptions or fixed costs that can be reduced. Even small monthly savings of £20–50 add up to £240–600 per year – money you can invest directly into an ETF savings plan.
Interest Calculator, Loan Calculator, Return Calculator und Budget Calculator – wofür werden sie genutzt und was bringen sie dir?
The Interest Calculator helps you calculate the growth of your capital over time – whether for a savings account, fixed deposit or savings plan. You can choose between simple and compound interest and instantly see how much your money grows through the compound interest effect.
The Loan Calculator helps you plan a mortgage or loan. It calculates your monthly payment, total costs and creates a full amortisation schedule – for annuity loans, repayment loans and bullet loans.
The Return Calculator shows how your invested capital can develop long-term – whether as a monthly ETF savings plan, a lump-sum investment or a property investment. Including inflation adjustment, you see the real value of your wealth.
The Budget Calculator helps you keep track of your monthly household budget. Enter income (salary, Part-time Job, Child Benefit) ande Fixed Costs und variable expenses ein – und sieh sofort, wie viel am Monatsende übrig bleibt.
Overpay the mortgage or invest? The decision comes down to comparing your mortgage rate against achievable after-tax returns. Above 4–5%, overpayment is hard to beat.
Easy access savings are flexible, fixed-rate bonds pay more. When each makes sense – and how a savings ladder gets the best of both worlds.
50% for needs, 30% for wants, 20% for saving. The simplest way to split your salary – no spreadsheet required. Works even in expensive cities.
At 3% inflation, £100,000 is worth only £55,000 after 20 years. What actually protects against inflation – and why easy access savings aren't enough.
⚠️ All calculations are for guidance only. Not a substitute for professional financial advice.