Tools
Investing calculators for European investors
Calculators
Compound interest calculator
How an initial amount and monthly contributions grow year by year at a constant return.
OpenHistorical DCA calculator
What you would have today investing every month in an S&P 500, MSCI World or Nasdaq-100 ETF, with real euro prices.
OpenIndex fund vs ETF tax (Spain)
How much the tax-free fund transfer is worth against an ETF, depending on how often you sell.
OpenInvestment fee calculator
What TER, custody and purchase fees cost over the long run, compared side by side for up to five products.
OpenForeign dividend withholding
What you keep from a foreign dividend as a Spanish resident, and how much excess withholding you could reclaim.
OpenFIRE and withdrawal calculator
How much capital covers your spending with the 4% rule, and how many years it lasts with inflation-linked withdrawals.
OpenInflation calculator
How much purchasing power cash loses over time, compared with money invested at a given return.
OpenHistorical inflation calculator
What an amount from 1960 to today is worth now, with euro-area, Spanish, German or Dutch inflation.
OpenInvestor risk profile questionnaire
Seven questions on horizon, loss tolerance and experience, with an illustrative ETF allocation.
Open
Why these tools
They answer the questions that come before choosing any fund: how much time does for your money, how much inflation takes away, and how much risk you can actually live with. The assumptions are explicit and you can change all of them.
More exercises
Market timing vs regular investing, common investor mistakes and market scenarios live in the Academy.