| Symbol | Asset | Frequency | Mode | Deposits | End value | CAGR | Absolute % | Maxdrawdown | Volatility | Dividends | Tax | Actions |
|---|
More market context
Chart View brings price series, public comparison scenarios and cleaner conversion logic into a dedicated analysis page.
Historical example · not a personal forecast
Monthly deposits from January 2020 to December 2024, with no initial capital. The calculation uses the accumulating EUNL.DE ETF in EUR and the same simulation as the calculator.
| Year end | Deposits (EUR) | Portfolio value (EUR) |
|---|---|---|
| 2020 | 2,400.00 | 2,697.14 |
| 2021 | 4,800.00 | 6,371.75 |
| 2022 | 7,200.00 | 7,741.95 |
| 2023 | 9,600.00 | 11,936.10 |
| 2024 | 12,000.00 | 17,726.39 |
The difference between portfolio value and deposits is the value growth over this period, not an annual interest rate. Portfolio value can fall even while deposits continue.
€200 at the start of each month; the last available price is carried forward on days without a quote. Fund income is reinvested within the fund and reflected in its price. Fund costs are already reflected in prices; trading and custody fees, personal taxes and inflation are not additionally deducted. Portfolio value is before any tax on disposal. Historical outcomes do not promise future returns.
Data source: Yahoo Finance · EUNL.DE · Retrieved: 2026-10-14
Understand your investment plan
An investment calculator helps separate your deposits from investment growth and market fluctuations. Obolus Invest compares historical performance with modelled future scenarios for your initial capital, contributions and time horizon. The selected method determines how to interpret the result.
Reconstruct the past
Your contributions are invested at the available historical prices. The start date, symbol and currency define the market period you examine. The fixed example above opens in the calculator using the same data.
A strong historical period is not an expected future return.
Explore one possible path
The simulation estimates drift and volatility from historical returns and extends the series randomly. Running it again can produce a different outcome. It illustrates how sensitive a scenario is to the assumed price path.
The current view shows one path, not a probability distribution or a guarantee of success.
Extend a historical trend
This method projects a log-linear price trend fitted over up to five historical years. Use it as another assumption alongside a random path. A different historical window can change the estimated trend.
The trend does not anticipate future crises or structural breaks.
The fixed EUNL.DE example from January 2020 to December 2024 has €12,000 in deposits and a calculated final value of €17,726.39. This historical calculation is before personal taxes and additional fees. A different period or investment produces a different result.
Separately supplied dividends are reinvested after the selected tax rate and annual allowance. An accumulating fund can already reflect its income in the price. Tax profiles are simplified presets; personal partial exemptions, loss offsets and tax on disposal are not fully modelled.
No. Read it first as a nominal model value. Inflation and additional trading or custody fees are not automatically deducted in full. Fund costs are already reflected in the historical ETF prices. Check the methodology for the scope of each calculation.
No. You can enter initial capital and contributions directly. If you have already planned a budget, its remaining savings amount can provide a starting point. Taxes, rent and living costs are not deducted from your investment amount again here.