Conservative
3%
Estimated goal: December 2036
Money
Savings goal simulator
Estimate when you may reach a savings target and compare the effect of different return scenarios.
Simulator
Compare three scenarios around your estimated annual return.
€
€
€
%
years
Moderate scenario
Estimated dateDecember 2035
Total contributions€38,600.00
Estimated interest€11,754.13
Balance reached€50,354.13
Scenario comparison
Moderate
5%
Estimated goal: December 2035
Optimistic
7%
Estimated goal: February 2035
Progress towards the goal
How it works
- Enter current savings and monthly contribution.
- Set the goal and maximum horizon.
- Add an estimated annual return.
- Compare dates, contributions and interest across three scenarios.
Practical example
With €5,000 saved, €300 per month and a moderate 5% return, estimate when a €50,000 goal might be reached.
Formula and explanation
Each month applies an equivalent monthly return and then adds the contribution.
The conservative scenario uses two percentage points less and the optimistic scenario two points more.
The date is a mathematical estimate and excludes tax, fees and real market variation.
Frequently asked questions
Is the estimated date guaranteed?
No. It depends on keeping up contributions and on returns that can vary in real life.
What if the goal is not reached?
The simulator shows the estimated balance at the end of the maximum horizon.
Are tax and inflation included?
No. Results are gross and do not adjust for tax, fees or purchasing power.