Wealth Building Calculator

    Plan your financial future over the next 25 years with this simple calculator

    This is not financial advice - purely simulated and cannot replace a real financial consultation

    Your Information

    Changes here will update all calculations throughout the website

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    Your Information

    • • Enter your current age to see projections over the next 25 years
    • • Input your current assets and monthly savings amount
    • • Set an annual savings increase percentage to account for growing income

    The calculator projects your wealth across different return scenarios (4%, 7%, 10%).

    Wealth Projection

    Changes here will update all calculations throughout the website

    Monthly SavingReturns p.a.Age 30Age 35Age 40Age 45Age 50Age 55
    		10.000 €12.210 €14.908 €18.203 €22.226 €27.138 €
    		10.000 €14.176 €20.097 €28.489 €40.387 €57.254 €
    		10.000 €16.453 €27.070 €44.539 €73.281 €120.569 €
    		10.000 €45.359 €88.533 €141.248 €205.613 €284.202 €
    		10.000 €49.973 €106.639 €186.971 €300.851 €462.290 €
    		10.000 €55.172 €129.493 €251.774 €452.965 €783.986 €
    		10.000 €78.509 €162.158 €264.294 €389.000 €541.267 €
    		10.000 €85.769 €193.181 €345.452 €561.314 €867.326 €
    		10.000 €93.890 €231.915 €459.010 €832.650 €1.447.403 €
    		10.000 €144.808 €309.408 €510.384 €755.775 €1.055.397 €
    		10.000 €157.362 €366.266 €662.414 €1.082.241 €1.677.398 €
    		10.000 €171.327 €436.760 €873.480 €1.592.018 €2.774.236 €

    Return Rate Guide:

    The calculator uses 4%, 7%, and 10% return rates to represent different investment strategies:

    • 4% - Conservative strategy with bonds, money market funds, and dividend stocks
    • 7% - Balanced approach with index funds, diversified portfolios (historical stock market average)
    • 10% - Aggressive growth strategy with individual stocks, emerging markets, or leveraged investments

    Important: This calculator provides estimates for educational purposes only. Actual investment returns can vary significantly. Consider consulting with a financial advisor for personalized advice.

    Simple Growth Visualization Graph

    Chart Guide:

    Use the checkboxes above the chart to show/hide different savings scenarios. Dotted lines represent optimistic (higher) and pessimistic (lower) projections, creating a potential range or corridor of outcomes around the solid middle line.

    Path Dependency Analysis

    What is Path Dependency?

    Path dependency shows that the order of investment returns matters significantly for your final wealth. Two investments with identical average returns can have vastly different outcomes depending on when high and low returns occur.

    For example: experiencing market crashes early in your investment journey (when you have less money invested) is much better than experiencing them late (when you have accumulated significant wealth).

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    Early Market Crash
    119.437 €
    Avg: 6.6% p.a.
    Late Market Crash
    86.808 €
    Avg: 8.6% p.a.
    Steady Returns
    102.570 €
    Avg: 7.0% p.a.
    Early Market Crash
    Return Sequence:
    -26%-16%+14%+7%+21%+18%+20%+20%+15%-7%
    Late Market Crash
    Return Sequence:
    +17%+11%+14%+7%+21%+18%+20%+20%-26%-16%
    Steady Returns
    Return Sequence:
    +7%+7%+7%+7%+7%+7%+7%+7%+7%+7%

    Monte Carlo Simulation

    ⚠️ Monte Carlo simulations require intensive calculations

    Running 10.000 simulations across 12 scenarios may take several seconds

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    Monte Carlo Simulation Guide:

    This simulation runs 10.000 scenarios with random variations based on historical market data:

    • Volatility (16%): Historical average annual volatility for the S&P 500
    • 10th/90th Percentile: Worst/best 10% of outcomes - shows extreme scenarios
    • 25th/75th Percentile: Range covering the middle 50% of likely outcomes
    • Median (50th): The middle value - half of outcomes are above/below this

    Higher volatility creates wider ranges between percentiles. Results automatically update when you modify parameters in the main projection table above.

    FIRE Calculator (Financial Independence, Retire Early)

    FIRE Calculator Parameters:

    • Annual Living Expenses: Your total yearly spending on all necessities and lifestyle costs
    • Withdrawal Rate: The percentage you withdraw annually from your portfolio (4% is the traditional safe withdrawal rate)
    • Social Security/Pension: Annual income from guaranteed sources that reduce your required portfolio size

    Lower withdrawal rates require larger portfolios but are more sustainable. Including social security reduces the portfolio needed to cover remaining expenses.

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    FIRE Portfolio Requirements & Timeline

    Portfolio amounts needed to cover your expenses, and when you'll reach each goal

    ScenarioLean FIRE
    Portfolio: 875.000 €    		Regular FIRE
    Portfolio: 1.250.000 €    		Fat FIRE
    Portfolio: 2.250.000 €
    Monthly SavingYears to Goal | Age AchievedYears to Goal | Age AchievedYears to Goal | Age Achieved
    0 €/month at 4%
    Never
    Never
    Never
    0 €/month at 7%
    Never
    Never
    Never
    0 €/month at 10%
    45 years | At age 75
    49 years | At age 79
    Never
    500 €/month at 4%
    47 years | At age 77
    Never
    Never
    500 €/month at 7%
    34 years | At age 64
    38 years | At age 68
    46 years | At age 76
    500 €/month at 10%
    27 years | At age 57
    30 years | At age 60
    36 years | At age 66
    1.000 €/month at 4%
    34 years | At age 64
    41 years | At age 71
    Never
    1.000 €/month at 7%
    26 years | At age 56
    30 years | At age 60
    38 years | At age 68
    1.000 €/month at 10%
    21 years | At age 51
    24 years | At age 54
    30 years | At age 60
    2.000 €/month at 4%
    23 years | At age 53
    28 years | At age 58
    39 years | At age 69
    2.000 €/month at 7%
    18 years | At age 48
    22 years | At age 52
    29 years | At age 59
    2.000 €/month at 10%
    16 years | At age 46
    18 years | At age 48
    24 years | At age 54

    FIRE Strategy Guide:

    • Lean FIRE: Covers 70% of expenses (minimalist lifestyle)
    • Regular FIRE: Covers 100% of expenses (maintain current lifestyle)
    • Fat FIRE: Covers 150% of expenses (luxury lifestyle, 20% more conservative)

    Results automatically update when you modify parameters in the main projection table above.