Tools

Financial calculators

Five simple tools that make visible some of the dynamics that weigh on wealth decisions: costs, time, inflation, withdrawals and losses.

Impact of costs over time

Compare how two different annual cost levels change the final value of the same investment.

Initial capital (€)Annual contribution (€)Expected gross annual return (%)Annual costs – scenario A (%)Annual costs – scenario B (%)Years

Final value – scenario A–

Final value – scenario B–

Difference due to costs–

Savings plan and compound interest

Estimate how an initial capital and regular monthly contributions could grow over time.

Initial capital (€)Monthly contribution (€)Expected annual return, net of costs (%)Years

Total invested–

Estimated final value–

Estimated growth–

Total investedEstimated final value

Inflation and purchasing power

See how much purchasing power a sum of money loses over time, and the return needed to preserve it.

Amount (€)Average annual inflation (%)Years

Purchasing power at the end–

Purchasing power lost–

Gross return needed just to keep pace–

Income from capital

Estimate the monthly withdrawal a capital could support for a given number of years, adjusted for inflation.

Initial capital (€)Expected annual return, net of costs (%)Average annual inflation (%)Years

Sustainable monthly withdrawal (first year)–

The withdrawal then grows with inflation each year until the capital is used up.

Recovering from a loss

Calculate the gain needed to return to the starting value after a loss, and how long it might take.

Loss suffered (%)Expected annual return, net of costs (%)

Gain needed to recover–

Years needed at the expected return–

Illustrative tools for educational purposes only. Results are simplified estimates based on constant hypothetical returns, before taxes unless stated otherwise; actual returns are not guaranteed and may be negative. They do not constitute personalised advice or an investment recommendation.

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