Save Monthly: Save Automatically Every Month

With a monthly savings plan, you do not have to worry about timing the market. Save automatically in funds and give your money a chance to grow over time. Even small amounts can make a big difference over the long run.

Saving in funds involves risk.

Why Should I Save Monthly in Funds?

  • Automatic Growth: The saving manages itself automatically. Regular deposits allow your savings to grow continuously.
  • Compound Interest: With the compound interest effect, your returns generate their own returns, accelerating your growth.
  • Lower Risk: Monthly savings provide excellent risk diversification. By spreading out your fund purchases over time, you buy in both rising and falling markets, reducing the impact of short term stock market fluctuations.

If you plan to save for more than three years, we highly recommend saving in funds. If you need the money within 3 years, one of our savings accounts with free withdrawals suits you best.

Calculate How Your Savings Can Grow

Setting aside a small amount of money every month makes a massive difference over decades. Here are examples of how much your capital can grow in a fund that returns an average of 7% per year:

Monthly Savings 5 Years 10 Years 15 Years 20 Years
200 SEK 14,320 SEK 34,404 SEK 62,573 SEK 102,081 SEK
500 SEK 35,799 SEK 86,009 SEK 156,432 SEK 255,203 SEK
1,000 SEK 71,598 SEK 172,019 SEK 312,864 SEK 510,406 SEK

Protect Your Savings Against Inflation

If you have saved the exact same amount monthly for a long time, the actual purchasing power of those savings decreases in value over time due to inflation. As the price of goods and services increases, you do not get as much for your money.

To maintain the exact value of your monthly savings over time, you must periodically increase your monthly deposit amount. Have you recently received a salary increase or reduced your living expenses? Take the opportunity to increase your savings.

How to increase your monthly savings in the app:

  1. Press Save.
  2. Under Shortcuts, press Monthly Savings.
  3. Press the account where you want to increase your monthly savings.
  4. Select Change your monthly savings.
  5. Enter the new, higher amount you want to save each month.
  6. Choose the date for the next withdrawal and press OK.
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MZ

M. Zaid

Financial Systems Developer & Researcher

Muhamad is a developer and researcher at KTH Royal Institute of Technology specializing in data-driven systems. He is the creator of the Company Valuation (DCF) platform, a professional-grade tool that helps investors calculate intrinsic value across global markets. Through Quartal.se, he bridges the gap between complex financial regulations and practical, tool-based investing.