Calculator · FIRE & freedom
How long will your assets last?
Investboard calculates your optimal withdrawal plan automatically.
Start free. Pro from EUR 11.99/mo.
A systematic plan for withdrawing money from your portfolio on a regular basis, whether during the drawdown phase or in retirement.
A constant (inflation-adjusted) withdrawal gives a stable standard of living but consumes more capital. A percentage-based withdrawal avoids depleting capital but fluctuates with the market.
Every withdrawal from an ETF portfolio triggers the Abgeltungsteuer. In addition, the Vorabpauschale (advance lump sum) applies each year to the remaining portfolio.
Even during the withdrawal phase, the Vorabpauschale is calculated each year on the remaining portfolio value, an often-overlooked cost factor.
Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.
Calculate now →What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?
Calculate now →Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).
Calculate now →Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.
Calculate now →Distribute your saver's allowance across banks and brokers without leaving allowance unused.
Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
Calculate now →How much do you need for your property?
Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →When will you reach financial independence?
Calculate now →What's missing for your retirement?
Calculate now →Investboard accounts for both the Abgeltungsteuer on withdrawals and the Vorabpauschale on the remaining portfolio. That can amount to a difference of four years.
Why this calculator is more accurate
Most withdrawal-plan calculators ignore taxes. Investboard computes both the Abgeltungsteuer on withdrawals and the Vorabpauschale on the remaining portfolio, which can make a difference of 4 years.
Inputs
Expected return p.a.
0–5 %
Withdrawal strategy
Fixer EUR-Betrag. Kaufkraft sinkt mit Inflation.
Your Tax Profile
of EUR 1.000
Your withdrawal plan
Your capital lasts
44 yearsThe capital is depleted after 44 years.
Portfolio trend
You need EUR 500.000,00 for your FIRE plan. With Investboard you track your progress automatically, with a forecast, milestone markers and daily updates.
Your calculation result is carried over automatically as a goal target.