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Simulation inputs are on the right >>>>>>>>>>>>>>>>
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Realizing capital gains only once in the endRealizing at most 801€ tax-free capital gains every year
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MonthYearMonths passedOverall salary invested (end of month) [post-tax]Overall saved (end of month) [mixed tax]Investment growth this monthOverall investment growth [pre-tax]Tax free investment growth (as if sold now)Overall saved (as if sold now)diff %Overall saved (as if sold now)Overall salary invested (end of month) [post-tax]Investment growth this monthTax free investment growth this yearTax free realized investment growth this month [post-tax]Not realized investment growth this month [pre-tax]Overal realized investment growth [post-tax]Overal not realized investment growth [pre-tax]Investment growth overall (as if sold now)Amount saved (end of month) [mixed tax]
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€0.00€0.00€0.00€0.00€0.00€0.000€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00Inputs
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Jan20190€1,000.00€1,000.00€0.00€0.00€0.00€1,000.000€1,000.00€1,000.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€1,000.00Monthly contribution1000
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Feb20191€2,000.00€2,003.27€3.27€3.27€3.27€2,003.270€2,003.27€2,000.00€3.27€3.27€3.27€0.00€3.27€0.00€3.27€2,003.27Yearly return investment (%)4
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Mar20192€3,000.00€3,009.83€6.56€9.83€9.83€3,009.830€3,009.83€3,000.00€6.56€9.83€6.56€0.00€9.83€0.00€9.83€3,009.83Capital gain tax (%)26.375
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Apr20193€4,000.00€4,019.69€9.85€19.69€19.69€4,019.690€4,019.69€4,000.00€9.85€19.69€9.85€0.00€19.69€0.00€19.69€4,019.69
9
May20194€5,000.00€5,032.84€13.16€32.84€32.84€5,032.840€5,032.84€5,000.00€13.16€32.84€13.16€0.00€32.84€0.00€32.84€5,032.84
Please File > Make a copy to edit
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Jun20195€6,000.00€6,049.32€16.48€49.32€49.32€6,049.320€6,049.32€6,000.00€16.48€49.32€16.48€0.00€49.32€0.00€49.32€6,049.32
11
Jul20196€7,000.00€7,069.12€19.80€69.12€69.12€7,069.120€7,069.12€7,000.00€19.80€69.12€19.80€0.00€69.12€0.00€69.12€7,069.12
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Aug20197€8,000.00€8,092.27€23.14€92.27€92.27€8,092.270€8,092.27€8,000.00€23.14€92.27€23.14€0.00€92.27€0.00€92.27€8,092.27
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Sep20198€9,000.00€9,118.76€26.49€118.76€118.76€9,118.760€9,118.76€9,000.00€26.49€118.76€26.49€0.00€118.76€0.00€118.76€9,118.76
14
Oct20199€10,000.00€10,148.61€29.85€148.61€148.61€10,148.610€10,148.61€10,000.00€29.85€148.61€29.85€0.00€148.61€0.00€148.61€10,148.61
15
Nov201910€11,000.00€11,181.84€33.22€181.84€181.84€11,181.840€11,181.84€11,000.00€33.22€181.84€33.22€0.00€181.84€0.00€181.84€11,181.84
16
Dec201911€12,000.00€12,218.44€36.61€218.44€218.44€12,218.440€12,218.44€12,000.00€36.61€218.44€36.61€0.00€218.44€0.00€218.44€12,218.44
17
Jan202012€13,000.00€13,258.44€40.00€258.44€258.44€13,258.440€13,258.44€13,000.00€40.00€40.00€40.00€0.00€258.44€0.00€258.44€13,258.44
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Feb202013€14,000.00€14,301.85€43.40€301.85€301.85€14,301.850€14,301.85€14,000.00€43.40€83.40€43.40€0.00€301.85€0.00€301.85€14,301.85
19
Mar202014€15,000.00€15,348.67€46.82€348.67€348.67€15,348.670€15,348.67€15,000.00€46.82€130.23€46.82€0.00€348.67€0.00€348.67€15,348.67
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Apr202015€16,000.00€16,398.91€50.25€398.91€398.91€16,398.910€16,398.91€16,000.00€50.25€180.47€50.25€0.00€398.91€0.00€398.91€16,398.91
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May202016€17,000.00€17,452.60€53.69€452.60€452.60€17,452.600€17,452.60€17,000.00€53.69€234.16€53.69€0.00€452.60€0.00€452.60€17,452.60
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Jun202017€18,000.00€18,509.74€57.14€509.74€509.74€18,509.740€18,509.74€18,000.00€57.14€291.29€57.14€0.00€509.74€0.00€509.74€18,509.74
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Jul202018€19,000.00€19,570.33€60.60€570.33€570.33€19,570.330€19,570.33€19,000.00€60.60€351.89€60.60€0.00€570.33€0.00€570.33€19,570.33
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Aug202019€20,000.00€20,634.40€64.07€634.40€634.40€20,634.400€20,634.40€20,000.00€64.07€415.96€64.07€0.00€634.40€0.00€634.40€20,634.40
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Sep202020€21,000.00€21,701.95€67.55€701.95€701.95€21,701.950€21,701.95€21,000.00€67.55€483.51€67.55€0.00€701.95€0.00€701.95€21,701.95
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Oct202021€22,000.00€22,773.00€71.05€773.00€773.00€22,773.000€22,773.00€22,000.00€71.05€554.56€71.05€0.00€773.00€0.00€773.00€22,773.00
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Nov202022€23,000.00€23,847.55€74.55€847.55€801.00€23,835.270.05€23,847.55€23,000.00€74.55€629.11€74.55€0.00€847.55€0.00€847.55€23,847.55
28
Dec202023€24,000.00€24,925.62€78.07€925.62€801.00€24,892.750.13€24,925.62€24,000.00€78.07€707.18€78.07€0.00€925.62€0.00€925.62€24,925.62
29
Jan202124€25,000.00€26,007.22€81.60€1,007.22€801.00€25,952.830.21€26,007.22€25,000.00€81.60€81.60€81.60€0.00€1,007.22€0.00€1,007.22€26,007.22
30
Feb202125€26,000.00€27,092.36€85.14€1,092.36€801.00€27,015.520.28€27,092.36€26,000.00€85.14€166.74€85.14€0.00€1,092.36€0.00€1,092.36€27,092.36
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Mar202126€27,000.00€28,181.06€88.69€1,181.06€801.00€28,080.820.36€28,181.06€27,000.00€88.69€255.43€88.69€0.00€1,181.06€0.00€1,181.06€28,181.06
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Apr202127€28,000.00€29,273.31€92.26€1,273.31€801.00€29,148.740.43€29,273.31€28,000.00€92.26€347.69€92.26€0.00€1,273.31€0.00€1,273.31€29,273.31
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May202128€29,000.00€30,369.15€95.83€1,369.15€801.00€30,219.300.49€30,369.15€29,000.00€95.83€443.52€95.83€0.00€1,369.15€0.00€1,369.15€30,369.15
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Jun202129€30,000.00€31,468.57€99.42€1,468.57€801.00€31,292.500.56€31,468.57€30,000.00€99.42€542.95€99.42€0.00€1,468.57€0.00€1,468.57€31,468.57
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Jul202130€31,000.00€32,571.59€103.02€1,571.59€801.00€32,368.340.62€32,571.59€31,000.00€103.02€645.97€103.02€0.00€1,571.59€0.00€1,571.59€32,571.59
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Aug202131€32,000.00€33,678.22€106.63€1,678.22€801.00€33,446.850.69€33,678.22€32,000.00€106.63€752.60€106.63€0.00€1,678.22€0.00€1,678.22€33,678.22
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Sep202132€33,000.00€34,788.47€110.25€1,788.47€801.00€34,528.030.7€34,772.16€33,000.00€110.25€801.00€48.40€61.85€1,726.62€61.85€1,772.16€34,788.47
38
Oct202133€34,000.00€35,902.36€113.89€1,902.36€801.00€35,611.880.68€35,856.01€34,000.00€113.89€801.00€0.00€113.89€1,726.62€175.74€1,856.01€35,902.36
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Nov202134€35,000.00€37,019.90€117.53€2,019.90€801.00€36,698.410.66€36,942.54€35,000.00€117.53€801.00€0.00€117.53€1,726.62€293.27€1,942.54€37,019.90
40
Dec202135€36,000.00€38,141.09€121.19€2,141.09€801.00€37,787.640.64€38,031.77€36,000.00€121.19€801.00€0.00€121.19€1,726.62€414.47€2,031.77€38,141.09
41
Jan202236€37,000.00€39,265.95€124.86€2,265.95€801.00€38,879.570.71€39,156.64€37,000.00€124.86€124.86€124.86€0.00€1,851.49€414.47€2,156.64€39,265.95
42
Feb202237€38,000.00€40,394.50€128.55€2,394.50€801.00€39,974.210.77€40,285.18€38,000.00€128.55€253.41€128.55€0.00€1,980.03€414.47€2,285.18€40,394.50
43
Mar202238€39,000.00€41,526.74€132.24€2,526.74€801.00€41,071.580.84€41,417.42€39,000.00€132.24€385.65€132.24€0.00€2,112.27€414.47€2,417.42€41,526.74
44
Apr202239€40,000.00€42,662.69€135.95€2,662.69€801.00€42,171.670.9€42,553.37€40,000.00€135.95€521.60€135.95€0.00€2,248.22€414.47€2,553.37€42,662.69
45
May202240€41,000.00€43,802.35€139.67€2,802.35€801.00€43,274.500.96€43,693.04€41,000.00€139.67€661.27€139.67€0.00€2,387.89€414.47€2,693.04€43,802.35
46
Jun202241€42,000.00€44,945.75€143.40€2,945.75€801.00€44,380.071.02€44,835.47€42,000.00€143.40€801.00€139.73€3.66€2,527.62€418.13€2,835.47€44,945.75
47
Jul202242€43,000.00€46,092.89€147.14€3,092.89€801.00€45,488.410.99€45,943.80€43,000.00€147.14€801.00€0.00€147.14€2,527.62€565.27€2,943.80€46,092.89
48
Aug202243€44,000.00€47,243.79€150.90€3,243.79€801.00€46,599.500.97€47,054.90€44,000.00€150.90€801.00€0.00€150.90€2,527.62€716.17€3,054.90€47,243.79
49
Sep202244€45,000.00€48,398.45€154.66€3,398.45€801.00€47,713.370.95€48,168.77€45,000.00€154.66€801.00€0.00€154.66€2,527.62€870.83€3,168.77€48,398.45
50
Oct202245€46,000.00€49,556.90€158.44€3,556.90€801.00€48,830.030.92€49,285.43€46,000.00€158.44€801.00€0.00€158.44€2,527.62€1,029.28€3,285.43€49,556.90
51
Nov202246€47,000.00€50,719.13€162.24€3,719.13€801.00€49,949.480.9€50,404.87€47,000.00€162.24€801.00€0.00€162.24€2,527.62€1,191.51€3,404.87€50,719.13
52
Dec202247€48,000.00€51,885.17€166.04€3,885.17€801.00€51,071.720.88€51,527.12€48,000.00€166.04€801.00€0.00€166.04€2,527.62€1,357.55€3,527.12€51,885.17
53
Jan202348€49,000.00€53,055.03€169.86€4,055.03€801.00€52,196.780.95€52,696.98€49,000.00€169.86€169.86€169.86€0.00€2,697.48€1,357.55€3,696.98€53,055.03
54
Feb202349€50,000.00€54,228.72€173.69€4,228.72€801.00€53,324.661.01€53,870.67€50,000.00€173.69€343.55€173.69€0.00€2,871.17€1,357.55€3,870.67€54,228.72
55
Mar202350€51,000.00€55,406.25€177.53€4,406.25€801.00€54,455.371.08€55,048.20€51,000.00€177.53€521.08€177.53€0.00€3,048.70€1,357.55€4,048.20€55,406.25
56
Apr202351€52,000.00€56,587.64€181.39€4,587.64€801.00€55,588.911.14€56,229.58€52,000.00€181.39€702.46€181.39€0.00€3,230.09€1,357.55€4,229.58€56,587.64
57
May202352€53,000.00€57,772.89€185.25€4,772.89€801.00€56,725.301.16€57,391.97€53,000.00€185.25€801.00€98.54€86.72€3,328.62€1,444.27€4,391.97€57,772.89
58
Jun202353€54,000.00€58,962.02€189.13€4,962.02€801.00€57,864.551.14€58,531.21€54,000.00€189.13€801.00€0.00€189.13€3,328.62€1,633.40€4,531.21€58,962.02
59
Jul202354€55,000.00€60,155.05€193.03€5,155.05€801.00€59,006.671.12€59,673.33€55,000.00€193.03€801.00€0.00€193.03€3,328.62€1,826.43€4,673.33€60,155.05
60
Aug202355€56,000.00€61,351.98€196.93€5,351.98€801.00€60,151.661.1€60,818.32€56,000.00€196.93€801.00€0.00€196.93€3,328.62€2,023.36€4,818.32€61,351.98
61
Sep202356€57,000.00€62,552.83€200.85€5,552.83€801.00€61,299.541.08€61,966.20€57,000.00€200.85€801.00€0.00€200.85€3,328.62€2,224.21€4,966.20€62,552.83
62
Oct202357€58,000.00€63,757.61€204.78€5,757.61€801.00€62,450.311.06€63,116.97€58,000.00€204.78€801.00€0.00€204.78€3,328.62€2,428.99€5,116.97€63,757.61
63
Nov202358€59,000.00€64,966.34€208.73€5,966.34€801.00€63,603.981.04€64,270.64€59,000.00€208.73€801.00€0.00€208.73€3,328.62€2,637.72€5,270.64€64,966.34
64
Dec202359€60,000.00€66,179.02€212.68€6,179.02€801.00€64,760.571.02€65,427.23€60,000.00€212.68€801.00€0.00€212.68€3,328.62€2,850.40€5,427.23€66,179.02
65
Jan202460€61,000.00€67,395.68€216.65€6,395.68€801.00€65,920.081.09€66,643.88€61,000.00€216.65€216.65€216.65€0.00€3,545.27€2,850.40€5,643.88€67,395.68
66
Feb202461€62,000.00€68,616.31€220.64€6,616.31€801.00€67,082.521.15€67,864.52€62,000.00€220.64€437.29€220.64€0.00€3,765.91€2,850.40€5,864.52€68,616.31
67
Mar202462€63,000.00€69,840.94€224.63€6,840.94€801.00€68,247.911.22€69,089.15€63,000.00€224.63€661.92€224.63€0.00€3,990.54€2,850.40€6,089.15€69,840.94
68
Apr202463€64,000.00€71,069.59€228.64€7,069.59€801.00€69,416.251.25€70,294.17€64,000.00€228.64€801.00€139.08€89.56€4,129.62€2,939.96€6,294.17€71,069.59
69
May202464€65,000.00€72,302.25€232.66€7,302.25€801.00€70,587.541.23€71,465.47€65,000.00€232.66€801.00€0.00€232.66€4,129.62€3,172.63€6,465.47€72,302.25
70
Jun202465€66,000.00€73,538.95€236.70€7,538.95€801.00€71,761.811.21€72,639.74€66,000.00€236.70€801.00€0.00€236.70€4,129.62€3,409.33€6,639.74€73,538.95
71
Jul202466€67,000.00€74,779.69€240.75€7,779.69€801.00€72,939.061.19€73,816.99€67,000.00€240.75€801.00€0.00€240.75€4,129.62€3,650.07€6,816.99€74,779.69
72
Aug202467€68,000.00€76,024.50€244.81€8,024.50€801.00€74,119.301.17€74,997.23€68,000.00€244.81€801.00€0.00€244.81€4,129.62€3,894.88€6,997.23€76,024.50
73
Sep202468€69,000.00€77,273.39€248.88€8,273.39€801.00€75,302.551.15€76,180.47€69,000.00€248.88€801.00€0.00€248.88€4,129.62€4,143.77€7,180.47€77,273.39
74
Oct202469€70,000.00€78,526.36€252.97€8,526.36€801.00€76,488.801.13€77,366.72€70,000.00€252.97€801.00€0.00€252.97€4,129.62€4,396.74€7,366.72€78,526.36
75
Nov202470€71,000.00€79,783.44€257.07€8,783.44€801.00€77,678.071.12€78,555.99€71,000.00€257.07€801.00€0.00€257.07€4,129.62€4,653.81€7,555.99€79,783.44
76
Dec202471€72,000.00€81,044.63€261.19€9,044.63€801.00€78,870.371.1€79,748.29€72,000.00€261.19€801.00€0.00€261.19€4,129.62€4,915.00€7,748.29€81,044.63
77
Jan202572€73,000.00€82,309.95€265.32€9,309.95€801.00€80,065.711.17€81,013.61€73,000.00€265.32€265.32€265.32€0.00€4,394.94€4,915.00€8,013.61€82,309.95
78
Feb202573€74,000.00€83,579.41€269.46€9,579.41€801.00€81,264.101.24€82,283.07€74,000.00€269.46€534.78€269.46€0.00€4,664.40€4,915.00€8,283.07€83,579.41
79
Mar202574€75,000.00€84,853.02€273.62€9,853.02€801.00€82,465.551.3€83,554.74€75,000.00€273.62€801.00€266.22€7.40€4,930.62€4,922.40€8,554.74€84,853.02
80
Apr202575€76,000.00€86,130.81€277.79€10,130.81€801.00€83,670.071.29€84,759.26€76,000.00€277.79€801.00€0.00€277.79€4,930.62€5,200.19€8,759.26€86,130.81
81
May202576€77,000.00€87,412.78€281.97€10,412.78€801.00€84,877.671.27€85,966.86€77,000.00€281.97€801.00€0.00€281.97€4,930.62€5,482.16€8,966.86€87,412.78
82
Jun202577€78,000.00€88,698.95€286.17€10,698.95€801.00€86,088.361.25€87,177.55€78,000.00€286.17€801.00€0.00€286.17€4,930.62€5,768.33€9,177.55€88,698.95
83
Jul202578€79,000.00€89,989.32€290.38€10,989.32€801.00€87,302.151.23€88,391.34€79,000.00€290.38€801.00€0.00€290.38€4,930.62€6,058.70€9,391.34€89,989.32
84
Aug202579€80,000.00€91,283.93€294.60€11,283.93€801.00€88,519.051.22€89,608.24€80,000.00€294.60€801.00€0.00€294.60€4,930.62€6,353.30€9,608.24€91,283.93
85
Sep202580€81,000.00€92,582.77€298.84€11,582.77€801.00€89,739.081.2€90,828.26€81,000.00€298.84€801.00€0.00€298.84€4,930.62€6,652.14€9,828.26€92,582.77
86
Oct202581€82,000.00€93,885.86€303.09€11,885.86€801.00€90,962.231.18€92,051.41€82,000.00€303.09€801.00€0.00€303.09€4,930.62€6,955.24€10,051.41€93,885.86
87
Nov202582€83,000.00€95,193.22€307.36€12,193.22€801.00€92,188.521.17€93,277.71€83,000.00€307.36€801.00€0.00€307.36€4,930.62€7,262.59€10,277.71€95,193.22
88
Dec202583€84,000.00€96,504.85€311.64€12,504.85€801.00€93,417.961.15€94,507.15€84,000.00€311.64€801.00€0.00€311.64€4,930.62€7,574.23€10,507.15€96,504.85
89
Jan202684€85,000.00€97,820.79€315.93€12,820.79€801.00€94,650.571.22€95,823.08€85,000.00€315.93€315.93€315.93€0.00€5,246.55€7,574.23€10,823.08€97,820.79
90
Feb202685€86,000.00€99,141.03€320.24€13,141.03€801.00€95,886.341.29€97,143.32€86,000.00€320.24€636.17€320.24€0.00€5,566.79€7,574.23€11,143.32€99,141.03
91
Mar202686€87,000.00€100,465.59€324.56€13,465.59€801.00€97,125.301.32€98,425.75€87,000.00€324.56€801.00€164.83€159.73€5,731.62€7,733.97€11,425.75€100,465.59
92
Apr202687€88,000.00€101,794.49€328.90€13,794.49€801.00€98,367.451.3€99,667.91€88,000.00€328.90€801.00€0.00€328.90€5,731.62€8,062.86€11,667.91€101,794.49
93
May202688€89,000.00€103,127.73€333.25€14,127.73€801.00€99,612.811.29€100,913.26€89,000.00€333.25€801.00€0.00€333.25€5,731.62€8,396.11€11,913.26€103,127.73
94
Jun202689€90,000.00€104,465.35€337.61€14,465.35€801.00€100,861.381.27€102,161.83€90,000.00€337.61€801.00€0.00€337.61€5,731.62€8,733.73€12,161.83€104,465.35
95
Jul202690€91,000.00€105,807.34€341.99€14,807.34€801.00€102,113.171.26€103,413.62€91,000.00€341.99€801.00€0.00€341.99€5,731.62€9,075.72€12,413.62€105,807.34
96
Aug202691€92,000.00€107,153.73€346.39€15,153.73€801.00€103,368.191.24€104,668.65€92,000.00€346.39€801.00€0.00€346.39€5,731.62€9,422.10€12,668.65€107,153.73
97
Sep202692€93,000.00€108,504.52€350.79€15,504.52€801.00€104,626.471.23€105,926.92€93,000.00€350.79€801.00€0.00€350.79€5,731.62€9,772.90€12,926.92€108,504.52
98
Oct202693€94,000.00€109,859.73€355.22€15,859.73€801.00€105,887.991.21€107,188.44€94,000.00€355.22€801.00€0.00€355.22€5,731.62€10,128.11€13,188.44€109,859.73
99
Nov202694€95,000.00€111,219.39€359.65€16,219.39€801.00€107,152.791.2€108,453.24€95,000.00€359.65€801.00€0.00€359.65€5,731.62€10,487.76€13,453.24€111,219.39
100
Dec202695€96,000.00€112,583.49€364.10€16,583.49€801.00€108,420.861.19€109,721.31€96,000.00€364.10€801.00€0.00€364.10€5,731.62€10,851.87€13,721.31€112,583.49