What if you invested it instead?
Compound interest on one side, your bank account on the other. The number that matters is the space between them.
Your money
Expected return
Start from an asset class, then adjust either number.
Best and worst cases are run at 14.0% and 2.0%.
If you left it in the bank
The comparison line. Most euro-area current accounts pay nothing at all.
What investing leaves you with, over and above the bank
+€72,910
Between +€11,429 and +€221,173 across the range of outcomes. That is 2.5× what the bank would have left you.
Invested at 8.0%
€121,910
149% more than you paid in
In the bank at 0.00%
€49,000
Money paid in
€49,000
With a 0% savings rate the bank line is simply the money you paid in — every euro of the difference is compounding you did not get.
Year by year
| Year | Paid in | Worst | Invested | Best | In the bank | Difference |
|---|---|---|---|---|---|---|
| Start | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | +€0 |
| Year 1 | €3,400 | €3,442 | €3,572 | €3,706 | €3,400 | +€172 |
| Year 2 | €5,800 | €5,934 | €6,356 | €6,811 | €5,800 | +€556 |
| Year 3 | €8,200 | €8,475 | €9,369 | €10,374 | €8,200 | +€1,169 |
| Year 4 | €10,600 | €11,068 | €12,631 | €14,462 | €10,600 | +€2,031 |
| Year 5 | €13,000 | €13,713 | €16,161 | €19,154 | €13,000 | +€3,161 |
| Year 6 | €15,400 | €16,412 | €19,983 | €24,538 | €15,400 | +€4,583 |
| Year 7 | €17,800 | €19,165 | €24,119 | €30,716 | €17,800 | +€6,319 |
| Year 8 | €20,200 | €21,973 | €28,597 | €37,806 | €20,200 | +€8,397 |
| Year 9 | €22,600 | €24,838 | €33,444 | €45,941 | €22,600 | +€10,844 |
| Year 10 | €25,000 | €27,760 | €38,690 | €55,277 | €25,000 | +€13,690 |
| Year 11 | €27,400 | €30,742 | €44,368 | €65,990 | €27,400 | +€16,968 |
| Year 12 | €29,800 | €33,783 | €50,515 | €78,283 | €29,800 | +€20,715 |
| Year 13 | €32,200 | €36,886 | €57,169 | €92,390 | €32,200 | +€24,969 |
| Year 14 | €34,600 | €40,051 | €64,371 | €108,577 | €34,600 | +€29,771 |
| Year 15 | €37,000 | €43,281 | €72,166 | €127,153 | €37,000 | +€35,166 |
| Year 16 | €39,400 | €46,575 | €80,604 | €148,470 | €39,400 | +€41,204 |
| Year 17 | €41,800 | €49,935 | €89,738 | €172,931 | €41,800 | +€47,938 |
| Year 18 | €44,200 | €53,364 | €99,625 | €201,000 | €44,200 | +€55,425 |
| Year 19 | €46,600 | €56,861 | €110,326 | €233,210 | €46,600 | +€63,726 |
| Year 20 | €49,000 | €60,429 | €121,910 | €270,173 | €49,000 | +€72,910 |