How to Use a Savings Calculator
A savings calculator helps you estimate how much your money can grow over time based on a monthly contribution, time horizon, and assumed annual return.
Saving in funds involves risk.
Key Assumptions
When using a savings calculator, consider the following inputs:
| Input | Suggested Value |
|---|---|
| Monthly savings amount | 2,000 SEK (average among our customers) |
| Annual return assumption | 7% (commonly used estimate) |
| Time horizon | Based on your personal goal |
The 7% return assumption is derived from:
- Long-term GDP growth: 3%
- Stock dividends: 2%
- Inflation target (Riksbank): 2%
What the Calculator Does Not Show
A basic savings calculator does not account for:
- Fund management fees
- Taxes on returns
- Inflation adjustments over time
These factors reduce the real value of your final amount. Always factor in costs when evaluating fund options.
Important Notice
Expected returns are not a guarantee of future results. The value of fund units can both increase and decrease. It is not certain that you will recover the full amount invested.
Past performance of a fund does not indicate that it will deliver the same results going forward.
