Savings calculator
Gold savings plan calculator
What would €200 a month have become if you had started 30 years ago? And what could it become in the coming years? The calculator uses real monthly prices since 1996 and can include all Spargold fees.
Purchase fee and yearly storage fee as per the price list
All amounts in today's purchasing power (look back: German consumer prices, forecast: 2% inflation per year)
- Invested
- €73,800
- Gain
- €348,051(+472%)
- Return p.a.
- 9.7%
Year by year
| Year | Invested | Value |
|---|---|---|
| 1996 | €2,400 | €2,329 |
| 1997 | €4,800 | €4,208 |
| 1998 | €7,200 | €6,208 |
| 1999 | €9,600 | €9,481 |
| 2000 | €12,000 | €12,547 |
| 2001 | €14,400 | €15,211 |
| 2002 | €16,800 | €18,310 |
| 2003 | €19,200 | €20,956 |
| 2004 | €21,600 | €23,125 |
| 2005 | €24,000 | €32,889 |
| 2006 | €26,400 | €38,627 |
| 2007 | €28,800 | €47,002 |
| 2008 | €31,200 | €53,912 |
| 2009 | €33,600 | €71,315 |
| 2010 | €36,000 | €98,849 |
| 2011 | €38,400 | €118,960 |
| 2012 | €40,800 | €124,512 |
| 2013 | €43,200 | €88,027 |
| 2014 | €45,600 | €98,086 |
| 2015 | €48,000 | €101,373 |
| 2016 | €50,400 | €114,208 |
| 2017 | €52,800 | €112,855 |
| 2018 | €55,200 | €117,881 |
| 2019 | €57,600 | €144,709 |
| 2020 | €60,000 | €167,525 |
| 2021 | €62,400 | €175,359 |
| 2022 | €64,800 | €189,454 |
| 2023 | €67,200 | €208,744 |
| 2024 | €69,600 | €285,200 |
| 2025 | €72,000 | €416,173 |
| 2026 | €73,800 | €421,851 |
Monthly average prices up to September 2026, today's value at the current price. Sources: World Bank, ECB, Federal Reserve Bank of St. Louis.
Past performance is no guarantee of future results. The forecast shows possible scenarios, not a prediction. Precious metal prices can fluctuate and also fall. This is not investment advice.
How the calculator works
- Look back: every month the savings amount is invested in precious metal at the month's average price. Today's value is your holding in grams at the current price.
- Fees: if enabled, the purchase fee (gold 1%, silver and platinum 2%) is deducted from every instalment and the storage fee (gold and platinum 0.5%, silver 1% per year) monthly from the holding.
- Inflation: adjusted for inflation, the calculator shows all amounts in today's purchasing power – for the look back with the German consumer price index, for the forecast with an assumed 2% per year.
- Taxes are not included. In Germany, gains from physical gold and silver are tax-free after a holding period of one year.
Where do the forecast scenarios come from?
We analysed every 10-year period since 1996 and calculated the yearly performance in euros. “Cautious” is the weaker quarter of these periods, “Medium” the median and “Optimistic” the stronger quarter. This results in these yearly returns:
| Cautious | Medium | Optimistic | |
|---|---|---|---|
| Gold | 5.6% | 8.7% | 11.4% |
| Silver | 3.5% | 7.5% | 10.6% |
| Platinum | -1.9% | 3.6% | 7.9% |
Frequently asked questions about the calculator
How accurate is the look back?
The calculator uses monthly average prices. A real savings plan buys on a specific day, so the result may differ slightly. Today's value uses the current price.
Are the forecasts guaranteed?
No. The scenarios show what would happen if prices developed as in typical periods of the past. The future can turn out better or worse.
Why does platinum perform weaker?
Platinum is used heavily in industry, especially in car catalytic converters. Its price therefore moves with the economy and has developed more weakly than gold and silver since 1996.
What is the minimum savings amount at Spargold?
A savings plan is possible from €5 per execution, weekly or monthly, in gold, silver or platinum.
Start your own savings plan now
With the Spargold app you save from €5 in physical gold, silver and platinum – securely stored in Singapore.
Data sources
Precious metal prices: World Bank, Commodity Price Data (Pink Sheet), licence CC BY 4.0, monthly averages in US dollars. Exchange rates: European Central Bank; before 1999 Deutsche Mark rates from the Federal Reserve Bank of St. Louis, converted at 1.95583 DM per euro. Inflation: harmonised index of consumer prices for Germany (ECB).
Amounts in US dollars: World Bank prices directly in US dollars; inflation: US consumer price index (CPI-U, Bureau of Labor Statistics, via the Federal Reserve Bank of St. Louis).
Past performance is no guarantee of future results. The forecast shows possible scenarios, not a prediction. Precious metal prices can fluctuate and also fall. This is not investment advice.