Gross wealth
€0
For selected month
Money growth tracker
Monthly account balances, gross wealth, and net wealth.
Saved
Example data
August 2025 to August 2026.
Net wealth
-
After estimated investment tax
Invested
Cash
Accounts
Enter the total value shown by each provider.
Gross wealth history
Up to 18 months containing balances are shown.
Cash and investments
Percentage of gross wealth over time.
YTD change uses December of the previous year, or the first available snapshot when December is missing.
| Year | First snapshot | Latest snapshot | Gross opening | Gross closing | Change | Change % | Invested | Cash | Est. tax | Net wealth | Months entered |
|---|
Investment accounts
Choose the accounts to include.
Assumptions
Annual return compounded monthly. Contributions are added at month end.
Starting value
-
-
Pessimistic
-
-
Expected
-
-
Optimistic
-
-
Projection
Selected accounts with monthly contributions.
Year by year
Projected value before tax, including contributions.
| Year | Pessimistic | Expected | Optimistic |
|---|
Withdrawal plan
Plan monthly spending after estimated tax, with optional annual inflation increases.
The starting amount applies in the first withdrawal year, not today's euros.
It increases every 12 withdrawals. Use 0% for a fixed amount.
Each sale reserves 20% of its positive gain for tax; losses do not offset other accounts' gains.
Contributions are added at month end until withdrawals start, split by the selected accounts' initial values
(equally if all are zero), and increase their amounts invested. They stop when withdrawals begin.
Sales are proportional across selected accounts. Returns remain nominal.
This is an estimate, not tax-lot accounting.
Pessimistic
-
Expected
-
Optimistic
-
Balance through withdrawals
Remaining gross investment value after spending and tax reserves.
Expected scenario: spending and tax
Amounts funded during each withdrawal year. Tax is reserved when selling, not charged again later.
| Withdrawal year | Monthly spending target | Gross sold | Tax reserved | Net spending funded | Unfunded spending | Gross balance |
|---|
Required capital assumes the same account mix and gain proportions at withdrawal start. Maximum starting spending rises with your inflation setting. Results use steady returns, not a guarantee.
Invite someone
Create a single-use registration link.
Users
Create a password-reset link for any user.