The Parqet financial calculators are a set of free, intuitive tools that help you define your personal financial goals and plan how to reach them. They visualize complex financial relationships such as the compound interest effect and the impact of regular saving. We offer several specialized calculators that cover every aspect of building wealth and of the withdrawal phase: the savings plan calculator, the compound interest calculator, the financial freedom calculator, the withdrawal calculator and the rebalancing calculator.

The savings plan calculator is your most important tool if you plan to invest a fixed amount regularly in ETFs or other investments.

This calculator works out the total wealth you can reach after a given period. It takes into account your existing initial capital, your monthly savings rate, the expected annual return, the duration of your investment and even the effect of the German flat tax on investment income.

It also gives you a chart of how your wealth develops, where you can see your wealth at different points in time:

You enter the duration in years, your monthly savings rate, the initial capital (if any) and your expected annual return in percent. If you want to see your final wealth after tax, enter your tax rate in the tax rate field. The calculator deducts the tax once at the end from the gain. It doesn’t include the German saver’s allowance or the Vorabpauschale. For German equity ETFs, you can choose “18.46% (ETF with 30% partial exemption)”. You can also enable contribution dynamics.

Contribution dynamics let you increase your savings rate by a percentage every year, e.g. because you expect salary increases.

It visualizes the power of investing regularly and shows you how even small but consistent contributions can add up to considerable wealth over time. You can play through different scenarios to see the impact of changes in return or higher savings rates right away.

The compound interest calculator highlights the exponential power of the compound interest effect and lets you calculate different scenarios and see how small changes to the inputs change the final result.

The calculator shows you how your capital develops over time when not only your original capital but also the interest or returns already earned are reinvested and generate returns of their own.

It can show the development for a one-time deposit as well as with an additional monthly savings rate.

You get the result both as numbers and as a chart:

The compound interest effect describes how not only the original capital earns interest, but the interest already received earns interest as well. This makes wealth grow exponentially – the longer the term, the stronger the effect.

This applies to a one-time investment. The calculator treats the interest rate as the effective annual rate. For a one-time investment, the compounding interval therefore doesn’t change the final capital. Example: €10,000 at 5% over 10 years gives €10,000 × 1.05 to the power of 10 ≈ €16,289.

It makes the long-term effect of “interest on interest” tangible and shows why it’s so important to start investing early. The chart clearly shows how the curve rises more and more steeply over the years as compound interest has an ever stronger effect.

This calculator is for everyone pursuing the big goal of financial freedom. With this calculator, you can work out how much capital you need for your financial freedom. Enter your desired monthly net income and your target age. The calculator then shows you how much you need to save each month and how your wealth develops.

It helps you determine the target capital you need to fund your retirement entirely from your investment income. From your desired monthly net income and the withdrawal rate (for example 4% according to the “4% rule”), the calculator works out how much capital you need.

Again, you can view the result as numbers or as a chart of your wealth over time:

You enter:

The “Consume capital” switch sets whether you use up your capital in retirement (then you enter your life expectancy) or live only on the returns (then you enter the withdrawal rate). You’ll find more information in the tooltips in the calculator.

The calculator makes an abstract goal concrete and turns it into a number you can plan with. It shows you exactly how much you need to save each month to reach the target capital, and it motivates you to adjust your savings rate if needed.

The withdrawal calculator is the counterpart to the savings plan calculator and focuses on the phase after building wealth, typically retirement.

You can calculate three things: the investment capital you need for a desired withdrawal amount, and the amount you can withdraw from a given amount of wealth, with or without consuming your capital. You can also calculate the period over which you can withdraw a set amount from a given capital.

Here, too, you can view the results as numbers and as a chart:

This calculator adds an important safety perspective. It helps you check whether your withdrawal strategy is sustainable and plan which monthly amounts you can realistically pay out to yourself without using up your capital too quickly.

The rebalancing calculator is a tool that helps investors manage the risk in their portfolio by restoring the originally defined weighting of the different positions in the portfolio. This process is essential for anyone who follows a passive, long-term investment strategy (buy and hold) or has a fixed allocation of certain portions of the portfolio and wants to restore it after it has shifted due to different price developments.

Rebalancing is the process of bringing a portfolio back to its original, strategic allocation (distribution).

Rebalancing can be triggered in two ways: periodically or based on thresholds.

Here, the adjustment is made at fixed time intervals, regardless of how large the deviation is.

Here, you only rebalance when the weighting of an asset class goes above or below a defined tolerance range.

For a passive private investor with a smaller brokerage account, annual, periodic rebalancing is often the most practical and cheapest method.

The rebalancing calculator helps you determine which securities you need to buy or sell, and for how much, to restore the original, strategic weighting (allocation) of your portfolio. If, for example, stocks are overweighted because of price gains, the calculator gives you the exact amounts for an adjustment.

In this example, you see your two positions, their current value and their current weight. To the right, you can enter your target weight for each position and then see what its value will be after rebalancing. Next to that is the action you need to take to reach your target weighting. In this example, you need to sell shares of the Vanguard ETF and use the freed-up capital to buy shares of the iShares ETF.

To use the calculator, enter the following information:

If you don’t want to enter your current portfolio holdings manually, you can also import them directly from your Parqet portfolio.

Here you can go straight to the view where you select your portfolios and can also filter the positions you want to import by asset class. You’re then automatically redirected to the rebalancer, where your current positions are already filled in.

After you enter your data and click “Calculate”, the tool shows you exactly what allocation your positions currently have and what actions you need to take to reach your target weighting.

Depending on the method you choose, the calculator shows you:

Rebalancing is essential for risk management. This calculator makes the complex process of rebalancing easy and precise, so you always keep your risk distribution in line with your investment strategy.