ETF calculator Switzerland: savings plan, returns and compound interest

The contribution is paid in at the start of the month and starts working in the same month. The annual return is spread geometrically across the months: twelve monthly steps yield exactly the annual return shown. Fees, taxes and inflation are not included; the result is a nominal gross value.

The risk level sets the projected average return and the range of scenarios. More risk generally means a higher equity share: a higher expected return, but also larger fluctuations — which is why the wedge between the unfavourable and favourable paths opens further with each level.

Broadly diversified equity markets have historically returned around 5 to 7 % per year over long periods, before costs and inflation. Individual years deviate strongly from that, and past performance is no guarantee of future performance. The calculator deliberately uses roughly rounded planning values.

No. Execution costs, custody fees and the product costs of the ETFs (TER, a fund’s total annual costs) noticeably reduce the real result and differ considerably between providers. What each provider charges is shown in Evaluno’s ETF savings plan comparison.

Many Swiss providers execute savings plans from CHF 1 per month. More important than the size of the contribution is regularity: anyone who starts early gives compound interest more time — the calculator shows this clearly when you move the investment period.

No. The calculator shows a model calculation with your return assumption, not a promise. Prices fluctuate, and losses lasting several years are possible. The unfavourable path in the chart shows what the result could look like with weaker development — and even that is not a floor.