This calculator will simulate the accumulation of savings in a PEA over time, based on a starting amount and a fixed monthly contribution. When the PEA's limit of 150,000 euros is hit, contributions will automatically be stopped as close to the max as possible, and the funds will continue to grow from then until the end of the period. It will then provide an estimated income you can draw from the PEA based on prefered safe withdrawal rate.
All calculations are based on current estimates of the fees of each provider, which can be complex and could change, but we did our best to take everything into account correctly. See our blog post on PEAs for more details
The calculator provides a comparison between the best PEA products I found. First, the monthly contribution you input has the brokerage fees for each bank subtracted from it. These fees differ depending on the amount you put in. After this a future value function is used to compound based on the monthly fraction of the expected growth rate. Once the chosen period of saving is over, we calculate an estimated monthly income using the specified withdrawal rate, subtracting the brokerage fees again to sell the shares and deducting taxes. This assumes that the withdrawals don't reduce the capital in the account, and that you have waited at least 5 years for PEAs before withdrawing. The code is all open source and MIT licensed, so feel free to check it out and clone/fork it you want to change stuff.
All calculators are performed in your browser and no data that you input is sent to any server
This shows how much would be in each account at the year-end
How much you could withdraw per month after taxes. Disclaimer: this is an estimate for comparison purposes!