A set of free, interactive calculators built for European investors. Everything here is in euros, with an optional tax field so you can see realistic after-tax numbers, no hidden US-account assumptions like 401(k)s or Roth IRAs that don’t exist on this side of the Atlantic.
Why European-Specific Calculators
Most investing calculators online are built for an American audience. They assume tax-sheltered retirement accounts, dollar amounts, and a 4% withdrawal rate drawn from US market history. For a European investor those defaults quietly distort the answer: your gains are usually taxed when you sell or when dividends are paid, your returns and withdrawal assumptions may differ, and you think in euros. Each calculator here lets you put in your own effective tax rate so the result reflects what you’d actually keep.
How to Use Them Together
They’re designed to work as a set. Start with the compound interest calculator to see what a regular investing habit grows into. Use the FIRE calculator to find your financial-independence number and timeline, and the Coast FIRE calculator to check whether you can ease off contributions. If you’re building toward income, the dividend calculator projects your payout stream forward.
When you’re ready to act on the numbers, my guide to investing covers how to do it as a European resident, from choosing a broker to building a portfolio.
These calculators are for education, not financial advice. They use simplified assumptions and constant returns; real markets and tax rules are more complex, so treat the outputs as estimates and check the rules where you file.
