Skip to content Do you want to know how much your savings will be worth in 10, 20 or 30 years' time? Our Yield calculator shows you at a glance how your capital is developing due to the compound interest effect - including inflation!
The most important thing first: With the calculator above you can simulate various investment strategies and immediately see which savings rate and return will lead to your goal.
When your Financial mentor I know that without concrete figures, financial plans are just wishful thinking. Our Yield calculator has already thousands of Swiss readers in their financial planning.
Simple return formulaYield = (final value - initial value) ÷ initial value × 100
ExampleCHF 10'000 become CHF 12'000 Return = (12'000 - 10'000) ÷ 10'000 × 100 = 20%
Here you can see the difference with monthly savings contributions of CHF 500 and 5% return:
Your key to success! Discover our top recommendations from real testimonials.
Enter what you have already saved. CHF 0 is also perfectly okay - everyone starts at some point.
My recommendations based on 20 years of market analysis:
The longer, the stronger the compound interest effect. Minimum 5 years for initial successes.
| Asset class | My assessment | Suitable for whom |
|---|---|---|
| Swiss equities (SPI) | 6-8% p.a. | Experienced investors |
| Global ETFs | 7-9% p.a. | Most investors |
| 3a fund | 4-7% p.a. | Everyone (tax advantage!) |
| Bonds | 2-4% p.a. | Safety orientated |
| Savings account | 0.5-1.5% p.a. | nest egg |
If you enter 5%, for example, the calculator only displays 3.2%. Why?
This is your pure profit through interest. With CHF 50,000 capital growth, you have CHF 50,000 more than you paid in.
The calculator also shows you the Real purchasing power. With 2% inflation, CHF 100,000 will only be worth CHF 67,297 in today's purchasing power in 20 years' time.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
How much should I save each month?
→ Rule of thumb: 10-20% of your net income. At CHF 5,000 net, that's CHF 500-1,000/month.
What return is realistic for pillar 3a?
→ In my test: Top 3a providers create 4-6% in the long term. Yield calculation including tax savings makes 3a unbeatable. Details in the Pillar 3a comparison.
Should I invest everything at once or save monthly?
→ Monthly is betterCost-average effect automatically smoothes out market fluctuations.
From what amount is an ETF custody account worthwhile?
→ From as little as CHF 50/month. More in the Online broker comparison Switzerland.
What is the impact of fees?
→ 1% annual fees = 18% less final capital after 20 years!
Situation: 25 years old, saves CHF 100/month until retirement
Invoice: CHF 100/month × 40 years × 5% Yield (correct yield calculation takes compound interest into account)
Result: CHF 152,208 Final capital (CHF 48,000 paid in)
Profit: CHF 104,208 through compound interest
Situation: Utilises CHF 7,258 in 3a annually
Advantage: CHF 1,800 tax saved + investment return
After 30 years: CHF 605,000+ (with 5% return)
SituationCHF 1,000/month in global ETFs
Strategy70% Equity ETFs, 30% Bond ETFs
After 20 yearsCHF 411,000 (CHF 240,000 paid in)
Step 1: Select realistic return (5-6%)
Step 2: Start with a small amount (CHF 100/month)
Step 3: Utilise the 3a maximum (CHF 7,258/year)
Step 4: Increase savings rate annually by 10%
Step 5: Review strategy every 2 years
Where to invest? You can find top recommendations in my Robo-Advisor Switzerland comparison or Broker comparison
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
A Yield calculator is your compass to financial freedom. With realistic expectations and the right strategy, you can build systematically accumulate assets.
Your steps to success from today:
Eric is the founder of Schwiizerfranke.com and certified IAF wealth advisor. Since 2019, he has been helping Swiss citizens to organise their finances comprehensibly, independently and efficiently.
📌 Note: This article is for information purposes only and does not constitute personalised investment advice.