---
title: "Junior Depot Calculator"
description: "Calculate how an ETF savings plan for your child grows by their 18th birthday. Including tax calculation, NV-Bescheinigung and Kindergeld savings plan."
canonical: "https://investboard.de/en/rechner/junior-depot"
language: "en"
modified: "2026-07-09"
author: "Investboard"
---

# Junior Depot Calculator

What will your child's savings plan grow to?

## Why a Junior Depot?

A **Junior Depot** is opened in the child's name. That has two consequences which together make it attractive: time and tax status.

**Time:** investing from birth gives the capital an 18-year horizon. A long horizon reduces the probability of ending below the amount paid in, without ever eliminating it.

**Tax status:** the income is attributed to the child, and the child has its own allowances: its own saver's allowance (Sparer-Pauschbetrag, EUR 1,000, Section 20(9) EStG) and its own basic personal allowance (Grundfreibetrag, EUR 12,348 in 2026, Section 32a EStG).

With an NV-Bescheinigung (non-assessment certificate), the child's investment income of up to roughly EUR 13,384 per year (2026) is paid out without tax being withheld at source. Our guide to the NV-Bescheinigung explains how to apply.

## Child benefit as a savings plan

An obvious savings rate is the child benefit (Kindergeld): **EUR 259 per month** (as of 2026). The calculator has a dedicated toggle for it. Investing that amount in full from birth means EUR 55,944 paid in by the 18th birthday; what it grows to depends on the return you choose as an assumption in the calculator.

## How the calculator works

The calculator models the account's full lifecycle, not just compound interest:

### The model in three steps

```text
Step 1: Monthly compounding of the lump sum and savings rate up to the target age

Step 2: Annual Vorabpauschale (base rate 2026: 3.20%, partial exemption 30%)

Step 3: Tax on sale at the end: gain − credited Vorabpauschale amounts, after partial exemption and saver's allowance, at 26.375%
```

Vorabpauschale amounts already taxed along the way are credited on sale, so nothing is taxed twice. The NV-Bescheinigung works in the model the way it works in reality: it avoids the annual withholding at source, and the calculator shows that saving separately.

The return is an assumption, not a forecast. The calculator uses an equity-fund ETF (30% partial exemption) and a constant return; real markets fluctuate. Past performance is no promise for the future.

## What else parents should consider

Legally the money belongs to the child: at 18 the child takes over the account in full. Larger payments by parents or grandparents are gifts; the allowances (EUR 400,000 per parent every ten years) are generous but want planning for larger amounts. See the gift-tax calculator and our parents' guide to the Junior Depot.