Calculator · Retirement
How much financial cushion do you need?
Track your progress towards your safety cushion with Investboard.
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The common recommendation is 3 to 6 months of expenses. For the self-employed or sole earners, 9 to 12 months is sensible.
An instant-access savings account (Tagesgeld) for short-term needs, a money-market ETF for the medium term, and a fixed-deposit ladder (Festgeld) for longer-term goals.
Yes. The emergency fund is part of your total wealth, but it should be held separately from your investments.
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 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 →How long will your assets last?
Calculate now →Your emergency fund belongs in a quickly accessible account, not invested in ETFs or stocks.
Inputs
Buffer months
Standard: common for most households
Your emergency-fund goal
Target amount
EUR 15.000,006× monthly expenses (EUR 2.500,00)
The highest return among the safe options. Funds are tied up for a set term. Only worthwhile when the build-up takes longer than a year.
You need EUR 15.000,00 for your emergency fund. 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.