Same deposits, two paths

How the comparison works

The shared inputs are the current balance, the top-up, how often you add it, and the number of years. The savings path then uses its interest rate, compounding frequency, and optional tax. The stock path uses its expected return, fund fee, and optional inflation.

Both lines use the same deposit timing as the single calculators. When inflation is on, a third line shows the investment in today's euros.

Formula

Each path uses the same formula as its own calculator. The gap is the stock ending balance minus the savings ending balance. A positive gap means the investment finished higher under the rates you typed.

A worked example

Defaults, with tax off and inflation off: savings ends at 78 803,15 € and the investment ends at 135 820,03 €.

The investment finishes 57 016,88 € ahead of savings. That gap is not a prediction. It is the arithmetic of the two rates you entered.

Questions

Why is the comparison not advice to invest?

It only shows two constant-rate paths. It ignores risk, the chance the return is lower, and tax rules beyond the flat rate you type.

Are the deposits identical?

Yes. The same opening balance and the same top-ups are applied to both calculations.

Which balance is the gap based on?

The headline gap is nominal stocks minus nominal savings. Inflation, when enabled, is shown as an extra stock series and does not change the savings balance.