ETF calculators

Simulate a monthly savings plan 400 times, see what a few basis points of TER really cost over decades, find your FIRE number, or project the income from a dividend portfolio — all in euros, with the formulas shown. Volatility, inflation and TER drag in the simulator are included with Pro.

Your savings plan, simulated 400 times

Invested capitalUnlucky path (10%)Median path (50%)Lucky path (90%)

Median outcome

€793,116

Total invested

€220,000

Unlucky (P10)

€336,771

Lucky (P90)

€1,690,195

Starting capital€10,000

Monthly savings plan€500 / mo

Horizon35 years

Expected annual return7.0%

MSCI World returned ~7–8% p.a. nominal over long periods — past performance is no guarantee.

Volatility, inflation & TER dragPRO

Your milestones & FIRE status

100K smashed

Reached in year 11

Half a million

Reached in year 30

ETF millionaire

In progress

Brokers for your savings plan

Ready to put the plan into practice? These are the brokers we have reviewed, in our editorial ranking, with the order fees and savings-plan terms that matter most for a monthly ETF plan.

Full broker comparison →

Brokers in editorial ranking order, with ETF order fee, custody fee and savings-plan terms
Broker	Rating	ETF order fee	Custody fee	Savings plans	Offer
Trade RepublicTop pick The savings-plan machine — €1 trades and free recurring ETF investing with a full bank licence.	4.6	€1 flat	€0	Free, from €1/month Fractional shares	Read review — Trade Republic
Interactive Brokers The professional's choice — unmatched market access at institutional pricing.	4.5	From ~€1.25 (tiered)	€0	Recurring investments, no fee Fractional shares	Read review — Interactive Brokers
Lightyear A clean, multi-currency challenger built for European index investors.	4.1	€0 on ETF list	€0	AutoInvest, free Fractional shares	Read review — Lightyear

Trade RepublicTop pick
The savings-plan machine — €1 trades and free recurring ETF investing with a full bank licence.
4.6
Order fee
€1 flat
Custody
€0
Savings plans
Free, from €1/month
Read review — Trade Republic
Interactive Brokers
The professional's choice — unmatched market access at institutional pricing.
4.5
Order fee
From ~€1.25 (tiered)
Custody
€0
Savings plans
Recurring investments, no fee
Read review — Interactive Brokers
Lightyear
A clean, multi-currency challenger built for European index investors.
4.1
Order fee
€0 on ETF list
Custody
€0
Savings plans
AutoInvest, free
Read review — Lightyear

* Partner link: if you open an account through it we may earn a commission, at no extra cost to you. It never affects a broker’s score or position. Fees shown are indicative and were last reviewed August 2026; confirm current terms with the broker before trading.

ETF Spotlight

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