Mark each as a need (rent, food) or want (dining out, subscriptions) — the split makes your result more meaningful.
CategoryAmountFrequencyDays/yrType
Enter your income to see your breakdown
Savings needed to stop
—
You save / month
—
Free at age — when your portfolio can cover your expenses
—
What if you spent less on wants?
No changeCut everything
0%
Move the slider
Set a reduction per want, or toggle off entirely.
Total monthly saving—
Current path — free at age
—
Spending less on wants
—
Current path
Spending less
Target
Returns shown are nominal (before inflation). Real purchasing power will be lower. Returns are gross — actual results depend on your local investment tax rules (e.g. Belgium: Reynders tax; Netherlands: Box 3; UK: CGT; US: capital gains tax).
What if you just saved it instead of investing?
Your monthly surplus in a savings account vs. an index fund — over 20 years. This is the true cost of playing it "safe".
Savings account rate
%
🏦
Savings account
—
after 20 yrs
vs
📈
Index fund
—
at 7%/yr
Savings account
Invested
Contributions
📈
Stop letting inflation eat your savings.
Commission-free investing from €1. No account minimum.