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Goal simulator

Simulator for becoming a retiree.

Estimate the time to reach a target capital with your contributions, or the passive income a capital can generate. Monthly compound interest calculated.

Your settings

How long until you reach your goal?

€
€
%
€

Result

Projection with monthly compounded interest.

Goal achieved in
-
Total Paid
-
Interest Generated
-
Capital final
-
Share of interest payments
-
Capital growth
Warning: simulation for informational purposes only, not advice. Returns are hypothetical and constant; real markets vary and a capital can decrease. Past performance does not predict future results.

How the calculation works

The capital is compounded monthly. Each month, the existing capital is multiplied by the monthly rate (annual return divided by 12), then the monthly payment is added. This is the standard calculation of compound interest with regular payments.

  • Monthly Rate = Annual Return / 12
  • Monthly Capital = previous capital x (1 + monthly rate) + contribution
  • Income mode: annual income = capital x withdrawal rate (default 4% rule)
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