Financial planner

Calculate how much you can save with regular contributions, what your net worth will be after taking into account returns, inflation, and taxes, and how realistic your financial goal is. Available currencies: Polish zloty, US dollar, and euro.

How to use a financial planner

Enter your goal, your current savings amount, your monthly payment, your term, and your expected return. The financial planner will show you whether your chosen savings rate is sufficient, how much money you'll contribute, how much of the savings will come from interest, and how much will be offset by inflation.

The calculation is suitable for rough investment planning, saving for a large purchase, building capital, or checking a personal financial plan.

1. Objective and starting data

For example: PLN 100,000 for capital, an apartment, a reserve or an investment portfolio.
You can leave it at 0 if you don’t plan to make any additional investments.

2. Term, profitability and expenses

This is not a guarantee, but only a scenario for calculation.
For Poland, the Belki tax rate of 19% is often used, but this value can be changed.
For example, at 6% and a difference of 3 percentage points, the bad scenario will be 3%, the good one – 9%.

Total capital

After income tax.

Total contributed

Start + contributions + one-time contribution.

Net profit

After tax.

In today's money

Adjusted for inflation.

Fill in the fields and click "Calculate plan".

Capital growth chart

 
Bad Scenario Base Scenario Good Scenario

Conclusion according to plan

After the calculation, a brief conclusion will appear here: whether the goal is being achieved, what reserve is needed, and how much the result depends on profitability.

Key performance indicators

  • Time left to the target:
  • Average capital per year:
  • Share of profit in capital:
  • Required monthly payment without income:
YearContributedCapital before taxProfit before taxTaxCapital after taxIn today's money
Click "Calculate plan" to see the table by year.
 
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