What is a savings plan (Sparplan)?

A savings plan is a strategy where you invest a fixed amount regularly (usually monthly) into an investment like an ETF. This approach is also called dollar-cost averaging (DCA) and helps reduce the impact of market volatility.

How much should I invest monthly?

A common guideline is to invest 10-20% of your net income. Even €50-100 per month can grow significantly over 20-30 years thanks to compound interest.

Is this better than investing a lump sum?

Statistically, lump sum investing beats DCA about two-thirds of the time. However, regular investing is more practical for most people and removes the emotional stress of market timing.

What return should I expect from an ETF savings plan?

A globally diversified ETF (like MSCI World or FTSE All-World) has historically returned about 7-10% per year before inflation. After inflation, expect roughly 5-7% real returns over 20+ years.

Savings Plan Calculator

See how regular monthly investments turn into long-term wealth through the power of compounding.

Monthly contribution (€)

Starting balance (optional) (€)

Expected annual return (%)

Investment period (years)

Your savings projection

See how regular monthly investments turn into long-term wealth through the power of compounding.

How the savings plan calculator works

Enter your monthly contribution, expected return rate, and time horizon to see how your savings grow over time.

Set your monthly contribution

How much can you invest each month? Even small amounts add up significantly over time thanks to compound growth.

Choose your expected return

A diversified ETF portfolio has historically returned 7-10% per year. Be conservative — use 5-7% for planning.

See your wealth grow

Watch how your savings snowball over time. The longer you invest, the more compound interest does the heavy lifting.

Track your savings plan in Arfin

Arfin tracks your real portfolio performance against your savings plan goals. See if you're on track with actual market data.

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