Split your pay between needs, wants, debt and investing, and see what the saved slice grows into.
Currency
Start from a plan
Rent, bills, food, transport and the minimum payments on loans
Eating out, subscriptions, trips, new gadgets
Paying a loan down faster than the bank requires
Emergency fund, ETFs, pension
Where each month goes
€1,000
A solid base. Set up the transfers for payday so the saving happens before the spending.
What the saved slice becomes
Saved and invested per month
€200
After 20 years
€92,408
You put in €48,000; growth added €44,408
3-month emergency fund ready in
8 months
3 months of needs = €1,500
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An illustration, not financial advice. Real prices, rates and fees differ.