ETF calculator
What would an ETF have earned you?
Pick an index, enter amounts, choose a start. The calculator uses real closing prices of a large ETF, in euros and after costs.
Value today
€27,006
Closing price on 12 Nov 2026
Gain
+€14,206
+111.0% on the amount paid in
Portfolio value since January 2017
- Paid in
- Growth
- Below the amount paid in
Three indices with equal amounts
Start January 2017, same amounts, calculated with the ETF in brackets.
| Index | Value today | Return per year | Largest decline |
|---|---|---|---|
| MSCI WorldiShares Core MSCI World (EUNL) | €27,006 | +13.6% | −33.6% |
| S&P 500iShares Core S&P 500 (SXR8) | €29,791 | +15.3% | −33.8% |
| MSCI ACWIiShares MSCI ACWI (IUSQ) | €26,151 | +13.0% | −33.6% |
Closing prices of accumulating ETFs on Xetra in euros up to 12 Nov 2026. Income is reinvested in the price and the ETF's running costs are already deducted, order fees and taxes are not. Past prices say nothing about future ones. Not a forecast, not a recommendation.
How it is calculated
- The basis is the closing prices of a large accumulating ETF on the index, on Xetra in euros: iShares Core MSCI World (EUNL), iShares Core S&P 500 (SXR8) and iShares MSCI ACWI (IUSQ). For each month, the last close counts.
- The lump sum buys at the close of the month before the start, so at the beginning of the start month. Each monthly payment buys at the close at the end of its month, fractions of shares included.
- The value today is all shares bought times the latest close. The current month does not get a payment yet.
- The return per year is the internal rate of return: the rate at which each payment grows from its own date to today's value. A payment from last year therefore counts for a shorter time than the lump sum from the start.
- The largest decline is the deepest fall of the price below an earlier high in the period, on daily prices. The deepest point below the amount paid in compares portfolio value and payments at the end of each month.
- With your own return, the portfolio grows each month at the effective monthly rate, the twelfth root of 1 plus the return, as in the savings plan calculator.
Assumptions and notes
- Past prices say nothing about future ones. Ten years is a short period, and with a long downturn at the start the result would look different.
- The ETF's running costs are already in the price. Order fees, spreads and taxes are not deducted.
- An ETF deviates slightly from its index, up as well as down. The calculation shows what an investor in this ETF would really have received.
- Payments come at month end. Many brokers run savings plans at the start or in the middle of the month, which shifts the result slightly.
A worked example
Anyone who put €100 a month into the iShares Core MSCI World from January 2017 has made 118 payments so far, €11,800 in total.
At the close on 12 Nov 2026, all shares are worth €23,885, €12,085 more than paid in. That is +13.9% a year.
It was not a smooth ride: at the end of December 2018 the portfolio was €95 below the amount paid in, and the price fell by up to −33.6% along the way.
Frequently asked questions
What does the ETF calculator show?
What a lump sum, a monthly amount or both would have become with a real ETF: value today, payments, gain, return per year and how deep it went along the way. All three indices are shown side by side with the same amounts. With your own return it also calculates into the future.
What would €100 a month in the MSCI World have become?
Starting in January 2017, 118 payments of €100 would have grown to €23,885 by 12 Nov 2026, with €11,800 paid in. That is +13.9% a year after the ETF's costs and before tax. Nobody knows whether it will continue like this.
Savings plan or lump sum: which is better?
It depends on a path nobody knows in advance. Since January 2017, the lump sum came out ahead because the money was invested for longer: €11,800 invested at once in the MSCI World is worth €36,824 today, the same total in monthly payments €23,885. A lump sum carries the full risk of a bad entry point, a savings plan spreads the entry over many prices.
What return is realistic for an ETF?
Since January 2017, the MSCI World returned +12.2% a year in euros, the S&P 500 +14.1% and the MSCI ACWI +11.7%. Those were strong years, and there were also periods of more than ten years with almost no return, for example after 2000. When you use your own return, it is best to try several values, such as 3, 5 and 7%.
Are costs and taxes included?
The ETF's running costs are, because they are already in the price. Order fees, spreads and taxes are not. The savings plan calculator includes tax under German rules: for an equity ETF, 30% of the gain is tax-free, the saver's allowance comes off the rest, and 26.375% is due on anything above it.
How far back do the prices go?
Back to November 2016, so about ten years. That is how long MEQIRI keeps the daily prices of the ETFs on Xetra. For longer periods or a look ahead, choose “Own return”.
Why does the calculator show the largest decline?
Because a good final result can hide a lot. Since January 2017, the MSCI World fell by up to −33.6% along the way. Anyone who has to sell in the middle of such a decline gets less than the final figure suggests. The deepest point below the amount paid in shows how much patience a savings plan would have needed.