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Finde heraus, wann du dein Vermögensziel erreichst. Gib aktuelles Ersparnis, monatliche Ersparnis, Jahresrendite (Standard 8%), Zielbetrag (Standard 1 Mio. $) und aktuelles Alter ein.
Alter bei 1 Mio.
Age 52 (2046)
Gesamteinzahlungen
$385,000
Zinserträge
$627,590.9
Meilensteine
5 milestones
At your current savings rate, you'll reach $1,000,000 by age 52 (in 2046). You'll contribute $385,000. Compound interest adds $627,590.9.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
At your current savings rate, you'll reach $1,000,000 by age 52 (in 2046).
Alter bei Ziel
Age 52 (2046)
Gesamteinzahlungen
$385,000
Anfang + monatlich über Zeit
Zinserträge
$627,590.9
Wachstum aus Renditen
You'll contribute $385,000. Compound interest adds $627,590.9.
| Szenario | Ziel erreichen |
|---|---|
| Save $500 more/month | 2 years earlier (age 50) |
| Get 10% return | 2 years earlier (age 50) |
| Start with $50K more | 2 years earlier (age 50) |
| Alter | Jahr | Anfang | Einzahlungen | Zinsen | Endguthaben |
|---|---|---|---|---|---|
| 32 | 2026 | $25,000 | $18,000 | $2,874.38 | $45,874.38 |
| 33 | 2027 | $45,874.38 | $18,000 | $4,606.94 | $68,481.31 |
| 34 | 2028 | $68,481.31 | $18,000 | $6,483.3 | $92,964.62 |
| 35 | 2029 | $92,964.62 | $18,000 | $8,515.41 | $119,480.02 |
| 36 | 2030 | $119,480.02 | $18,000 | $10,716.17 | $148,196.2 |
| 37 | 2031 | $148,196.2 | $18,000 | $13,099.6 | $179,295.8 |
| 38 | 2032 | $179,295.8 | $18,000 | $15,680.85 | $212,976.65 |
| 39 | 2033 | $212,976.65 | $18,000 | $18,476.34 | $249,452.99 |
| 40 | 2034 | $249,452.99 | $18,000 | $21,503.86 | $288,956.85 |
| 41 | 2035 | $288,956.85 | $18,000 | $24,782.66 | $331,739.52 |
| 42 | 2036 | $331,739.52 | $18,000 | $28,333.6 | $378,073.12 |
| 43 | 2037 | $378,073.12 | $18,000 | $32,179.27 | $428,252.39 |
| 44 | 2038 | $428,252.39 | $18,000 | $36,344.13 | $482,596.52 |
| 45 | 2039 | $482,596.52 | $18,000 | $40,854.66 | $541,451.18 |
| 46 | 2040 | $541,451.18 | $18,000 | $45,739.57 | $605,190.75 |
| 47 | 2041 | $605,190.75 | $18,000 | $51,029.92 | $674,220.67 |
| 48 | 2042 | $674,220.67 | $18,000 | $56,759.37 | $748,980.05 |
| 49 | 2043 | $748,980.05 | $18,000 | $62,964.36 | $829,944.41 |
| 50 | 2044 | $829,944.41 | $18,000 | $69,684.36 | $917,628.77 |
| 51 | 2045 | $917,628.77 | $18,000 | $76,962.12 | $1,012,590.9 |
FinCalc AI
FinCalc AI
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Der Rechner simuliert monatliches Wachstum mit Zinseszins. Meilensteine (100K, 250K, 500K, 750K, 1M) zeigen, wann du jedes Ziel erreichst.
Monatliche Zinsformel: Guthaben = (Guthaben + Monatsbeitrag) × (1 + Jahresrendite / 12). Simulation läuft bis Guthaben ≥ Ziel oder 80 Jahre.
Use the millionaire calculator with your current savings, monthly contributions, and expected return rate. For example, with $25,000 saved, $1,500/month at 8% return, you reach $1 million in about 15 years. Adjust target amount for different goals (e.g., $500K or $2M).
It depends on your starting balance, monthly savings, and investment return. At 8% annual return: $500/month from $0 takes ~34 years; $1,500/month from $25,000 takes ~15 years; $2,000/month from $100,000 takes ~12 years. Compound interest significantly shortens the timeline.
At 8% return: from $0, about $670/month for 30 years or $1,230/month for 25 years. With $50,000 already saved, about $1,000/month for 25 years. The calculator shows exact amounts for your situation and what-if scenarios (e.g., save $500 more or get 10% return).
Historical S&P 500 returns average around 10% nominal (before inflation), or roughly 6–7% real. For conservative planning, 6–8% is common. The default 8% is a reasonable assumption for diversified stock investments over 15–30 years.
Zinseszinseffekt
Sparen mit Zinseszinseffekt. Anfangsguthaben, monatliche Beiträge, jährliche Aufschlüsselung.
Vermögensrechner
Gesamtvermögen, Verbindlichkeiten und Nettovermögen. Mit altersbasiertem Vergleich (Federal Reserve SCF).
Notgroschen-Rechner
Wie viel Notgroschen brauchst du? 3, 6, 9 oder 12 Monate Ausgaben. Anpassung für Jobstabilität und Angehörige.
Inflationsrechner
Kaufkraftverlust durch Inflation. Zukünftiger oder historischer Geldwert.
Finanzgesundheits-Score
Erhalte einen 0-100 Score für deine finanzielle Gesundheit mit schneller Bewertung und klaren Empfehlungen.
KI-Einsparungsrechner
Wie viel spart KI deinem Unternehmen? Schätze jährliche Einsparungen, ROI, Break-even und Produktivitätsgewinne nach Abteilung.