Investboard …
Calculator · Family & generations
What will your child's savings plan grow to?
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The calculator models the full lifecycle of a child's account with an equity-fund ETF: savings phase, annual advance lump sum and sale tax at the target age.
Add it as its own account and follow it next to yours.
Start free. Premium from EUR 19/mo.
A Junior Depot is opened in the child's name. That has two consequences which together make it attractive: time and tax status.
Time: investing from birth gives the capital an 18-year horizon. A long horizon reduces the probability of ending below the amount paid in, without ever eliminating it.
Tax status: the income is attributed to the child, and the child has its own allowances: its own saver's allowance (Sparer-Pauschbetrag, EUR 1,000, Section 20(9) EStG) and its own basic personal allowance (Grundfreibetrag, EUR 12,348 in 2026, Section 32a EStG).
With an NV-Bescheinigung (non-assessment certificate), the child's investment income of up to roughly EUR 13,384 per year (2026) is paid out without tax being withheld at source. Our guide to the NV-Bescheinigung explains how to apply.
An obvious savings rate is the child benefit (Kindergeld): EUR 259 per month (as of 2026). The calculator has a dedicated toggle for it. Investing that amount in full from birth means EUR 55,944 paid in by the 18th birthday; what it grows to depends on the return you choose as an assumption in the calculator.
The calculator models the account's full lifecycle, not just compound interest:
Step 1: Monthly compounding of the lump sum and savings rate up to the target age Step 2: Annual Vorabpauschale (base rate 2026: 3.20%, partial exemption 30%) Step 3: Tax on sale at the end: gain − credited Vorabpauschale amounts, after partial exemption and saver's allowance, at 26.375%
Vorabpauschale amounts already taxed along the way are credited on sale, so nothing is taxed twice. The NV-Bescheinigung works in the model the way it works in reality: it avoids the annual withholding at source, and the calculator shows that saving separately.
The return is an assumption, not a forecast. The calculator uses an equity-fund ETF (30% partial exemption) and a constant return; real markets fluctuate. Past performance is no promise for the future.
Legally the money belongs to the child: at 18 the child takes over the account in full. Larger payments by parents or grandparents are gifts; the allowances (EUR 400,000 per parent every ten years) are generous but want planning for larger amounts. See the gift-tax calculator and our parents' guide to the Junior Depot.
A securities account in your child's name. The income is attributed to the child for tax purposes.
Yes. With it, capital income is tax-free up to the basic allowance (Grundfreibetrag, EUR 11,604) plus the saver's allowance (Sparerpauschbetrag, EUR 1,000).
At 18, your child gains full access to the account. Families with a Junior Depot often discuss the transition early.
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Inputs
German Kindergeld reference 2026: EUR 259/month per eligible child
Assumed return p.a.
The return is an assumption in this simulation. Adjust it to your scenario.
The model assumes valid certificates when needed. Check actual eligibility and validity separately.
Your tax profile
of EUR 1,000
Portfolio forecast over 18 years
Simulated · 7% p.a. assumed · not a return forecast
Portfolio value at age 18 (gross)
EUR 43,323.36EUR 100.00/month × 18 years