Answer 11 questions and see what your money could do: safety net first, then investing, with your own numbers.
Free · 11 questions · No account · Educational, not advice.
One worked example. No card debt, a safety net the savings already cover, and €1,100 a month to place — run through the same model your own answers go through.
The Altersvorsorgedepot replaces Riester. Pay in €150 a month and the state adds up to €540 a year. More if you have children.
The money is locked until you are 65. What you take out then is taxed as income.
Is it for you? See how it works →Altersvorsorgereformgesetz, passed by the Bundestag.
An amount, a plan, and thirty years.
Held for 30 years
A constant 4.5% a year, after inflation. That is the Adventurous plan’s own assumption, worked out from what the mix holds, not a return measured over a past period. The line is straight because the rate is. Real returns vary year to year, and some years go down.
You earn enough to put something aside. There is a card balance you have been meaning to deal with, savings that feel like they should be doing more, and no clear idea which comes first.
That is not a discipline problem. Nobody ever showed you the order.
Independent financial planning typically costs €1,000 to €3,000 for a consultation. A qualified person’s time costs much the same whether the money being planned is €15,000 or €1.5 million.
So advisers apply portfolio minimums. Below a certain amount the maths does not work, and a €2,000 fee on €15,000 of savings helps nobody.
Most people default to cash. In a survey of 14,318 people across ten European countries, 51% held savings accounts and term deposits. 22% held funds, shares or ETFs.
Financial Health of Europeans, EFPA Europe with BETTER FINANCE, September 2025.
A bad fee is easy to see. A plan you never made is not — not until you add up what it cost you.
This fee range is a rough guide, not a quote. Every adviser sets their own price.
Built by Vadim in Limassol, in his evenings.
I’m not German either. I built the plan I wished I’d had.
Why I made this →You answer 11 questions about your income, spending, debts, and goals. A calculator turns that into an ordered plan — the same questions always give the same answer. Nothing here is guessing. There’s no AI deciding where your money goes, just maths.
Nothing. There is no paid tier, no product for sale, no commission, and no provider pays to appear. The funds we name are just examples, so you can see what the mix actually looks like.
No. Your income, debts and goals are not written to any database and are not logged by this calculator. Hosting and email providers still process some technical information, which the Privacy Notice lists. They stay in your browser so you do not lose your place. They leave the device only if you ask for the plan by email. In that case your address is used to send it, and to record that you asked.
No. It is educational information, not personalised financial advice, and no investment service is being provided. Nothing here is a recommendation to buy or sell anything.
Europa is an educational financial-planning calculator. It uses your answers to show illustrative calculations and to explain financial terms in plain language. The results rest on simplified assumptions. They are neither a forecast nor a personal recommendation.
The calculator does not judge which investment is suitable for you. It manages no money, carries out no transactions, and gives no instruction to buy or sell financial products. Consider taking regulated advice before making an investment decision.
They are straight-line illustrations at a constant assumed return. Real returns vary year to year and include losing ones. Every assumption behind them is published rather than buried.
The assessment works today. The app where you would act on the plan is in development — nothing to buy, nothing promised.