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Den Power of Ränta-på-ränta.

Watch your money grow. Beräkna the compound interest effect for your savings plan or investment.

Savings Plan
200 €
5%
Conservative (3%)Balanced (6%)Growth (9%)
20 years

Ränta-på-ränta: Den Eighth Wonder of the World

Compound interest is the most powerful mechanism for building wealth. När you reinvest your returns, you earn interest on your interest - and the effect accelerates over time.

Time Är Din Best Ally

Den earlier you start saving, the more compound interest works in your favor. Even small monthly amounts can grow into substantial sums over 20-30 years.

Return vs. Risk

Higher returns typically come with higher risk. Historical stock market returns average 7-8% per år before inflation, while savings accounts currently yield only about 1-2%.

Example: 200 Euro månadsvis Savings Plan

If you invest 200 euros monthly at an average return of 7% per år, after 30 years you will have accumulated approximately 227,000 euros - from only 72,000 euros of your own contributions.

More Helpful Calculators & Guides

Sources & References (2026)

Federal Ministry of Finance
Official tax tables and tax calculation guidelines.
Tysk Pensionsförsäkring
Current pension values and contribution assessment ceilings.
Federal Ministry of Health
Social security contribution rates and thresholds.

All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.

Ränta-på-ränta-kalkylator Tyskland 2026 | Förmögenhetsuppbyggnad & sparplan | Brutto Netto Rechner