The calculator helps you plan your savings based on five key variables: initial capital (what you already have saved), monthly savings (periodic contributions), annual interest rate (expected return), term (time horizon), and final capital (your goal).
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You choose the variable you want to find and the calculator solves the equation using the remaining inputs. For example, if you already know how much you can save per month, for how long, and at what rate, the calculator tells you how much you will accumulate at the end.

It is the average annual return you expect to earn on your money. The value you should use depends on the product where you plan to place your savings:
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The interest rate is the engine of the simulation. Small differences in return have an enormous impact on the final capital, especially over long terms, thanks to the power of compound interest.

This calculator's results assume that earned interest is reinvested and itself generates more interest, creating the "snowball effect" of compound interest. Without this effect, €250 per month over 30 years at 5% would only yield the sum of deposits plus simple interest. With compound interest, the final value can be several times higher.
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If you want to explore this effect in detail, with configurable compounding frequencies and annual charts, use our Compound Interest Calculator.

No. The results shown are in nominal values, meaning they are not adjusted for inflation or taxes.
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In most European countries, interest income and capital gains are subject to tax, often withheld at source, with rates that vary by country (commonly between 19% and 33%) and special regimes for some retirement or long-term savings products. Check the rules that apply in your country of tax residence, or confirm with a tax advisor.
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Inflation, in turn, reduces the purchasing power of accumulated capital over time. For a more conservative estimate of real value, you can subtract the expected inflation rate from the interest rate you enter in the calculator.

The calculator is generic and adapts to virtually any savings or investment product with compound returns:
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Simply adjust the estimated annual interest rate to match the product you plan to use.

Because of time. The earlier you start, the more compounding cycles your money will have, and the more significant the interest-on-interest effect becomes.
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For example: saving €100 per month for 30 years at 5% generates approximately €83,000. The same €100 per month for only 15 years at 5% generates approximately €26,700. Doubling the term generates more than triple the final capital.
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If you want to see how far you can take this principle, check out our FIRE Calculator, which estimates how long it will take you to achieve financial independence.

No. The results shown are only simulations based on the data you enter and assumptions of constant returns.
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In practice, investment product returns can vary (positively or negatively) and term deposit rates may change between renewals. Use this tool as a starting point for planning your financial goals, not as a promise of return.

Saving consistently is one of the most powerful tools for building your wealth. The secret is not about saving a lot at once, but about saving regularly over a long period of time.
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Set a goal, automate your monthly savings, and let compound interest do the rest.