Calculator · FIRE & freedom
How long will your assets last?
Investboard calculates your optimal withdrawal plan automatically.
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A systematic plan for withdrawing money from your portfolio on a regular basis, whether during the drawdown phase or in retirement.
A constant (inflation-adjusted) withdrawal gives a stable standard of living but consumes more capital. A percentage-based withdrawal avoids depleting capital but fluctuates with the market.
Every withdrawal from an ETF portfolio triggers the Abgeltungsteuer. In addition, the Vorabpauschale (advance lump sum) applies each year to the remaining portfolio.
Even during the withdrawal phase, the Vorabpauschale is calculated each year on the remaining portfolio value, an often-overlooked cost factor.
Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.
Calculate now →What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?
Calculate now →Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).
Calculate now →Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.
Calculate now →Distribute your saver's allowance across banks and brokers without leaving allowance unused.
Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
Calculate now →How much do you need for your property?
Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →When will you reach financial independence?
Calculate now →What's missing for your retirement?
Calculate now →Investboard accounts for both the Abgeltungsteuer on withdrawals and the Vorabpauschale on the remaining portfolio. That can amount to a difference of four years.
Warum dieser Rechner genauer ist
Die meisten Entnahmeplan-Rechner ignorieren Steuern. Investboard berechnet sowohl Abgeltungsteuer auf Entnahmen als auch Vorabpauschale auf das Restdepot, das kann den Unterschied von 4 Jahren ausmachen.
Eingaben
Erwartete Rendite p.a.
0–5 %
Entnahmestrategie
Fixer EUR-Betrag. Kaufkraft sinkt mit Inflation.
Your Tax Profile
of EUR 1.000
Ihr Entnahmeplan
Ihr Vermögen reicht
44 JahreDas Kapital ist nach 44 Jahren aufgebraucht.
Depotverlauf
Sie brauchen EUR 500.000,00 für Ihren FIRE-Ziel. Mit Investboard tracken Sie Ihren Fortschritt automatisch, mit Prognose, Meilenstein-Feiern und täglichen Updates.
Ihr Berechnungsergebnis wird automatisch als Zielvorgabe übernommen.