Keep your finances under control
Fiplo is your personal finance planner. It helps you plan, organise and reach your financial goals.
Net worth
€126,500
12%- Housing32%
- Groceries18%
- Transport12%
- Entertainment10%
- Other28%
Free calculators
No sign-up, no fees. Everything is calculated in your browser — nothing you enter is sent anywhere.
Future value of an investment
How much your regular investments could grow to
Contributions
Assumptions
Return
Expected average annual return in three scenarios.
Also with a free accountETF-based return presets, contribution phases, fees and taxes, market crash, planned withdrawals, Monte Carlo simulation and input sensitivity. What you get →
Nominal value after 20 years — base scenario
In today's purchasing power (inflation-adjusted): €76,441
Total contributed
€63,314
Nominal gain
€74,748
Real gain
€28,897
Investment value over time
Hover over the chart to see each year.
Scenario comparison
| Scenario | Nominal value | Real value |
|---|---|---|
| Pessimistic | €97,399 | €53,928 |
| Base | €138,061 | €76,441 |
| Optimistic | €199,278 | €110,335 |
Financial independence (FIRE)
How much you need for a lifelong monthly income
The classic "4% rule" comes from US historical data (Trinity study) for roughly 30 years of withdrawals — for a longer horizon or more caution, 3–3.5% is commonly used.
Required portfolio (in today's prices)
The goal is not reached within the 20-year horizon of the future value calculator — try a longer horizon, higher contributions or a lower income.
Also with a free accountReverse calculation: how much to invest monthly or as a lump sum to reach the target in time. What you get →
What you get
Start with the calculators, no sign-up needed. With an account you save your plan and see your whole financial picture; with Premium you track it over time.
No sign-up
available now- Future value of an investment in three scenarios
- Amount needed for financial independence (FIRE)
- Slovak, Czech and English, choice of currency
Free account
coming soon- Saved calculations and plans
- Current state: net worth, cash flow, loans
- Financial health (emergency fund, DTI, DSTI, LTV) and recommendations
- Advanced projection settings and ETF presets
- Monte Carlo simulation and input sensitivity
- How much to invest for a goal and FIRE
- Data transfer between calculators
- Income and expense tracking with a monthly summary (3-month history)
Premium
coming soon- A clear dashboard of everything you track
- Net worth, assets and debts over time
- Goals with priorities and progress tracking
- Budgets with overspending alerts
- Spending analysis by week, month, quarter and year
- Custom categories, more income and loan types (leasing, credit card…)
- Bank statement import (CSV)
- Calendar and reminders for payments, taxes or investing
- Shared household finances and a plan for your child
- Fiplo Insights and your own theme
How it works
From your first calculation to a plan you can track.
- 1Try the calculatorsSee how much your investments could grow and how much you need for financial independence.
- 2Create a free accountEnter your current situation, get recommendations and save your investment plan.
- 3Track progress with PremiumAssets, debts, budgets and goals over time — with alerts when something drifts from the plan.
Pricing
The calculators on this page are free. Accounts and Premium are coming soon.
Free account
€0 / month
after sign-up
- Saved plans and calculations
- Current state and recommendations
- All calculators and risk analysis
- Income and expense tracking
Premium
Coming soon
for tracking your finances over time
- Dashboard and net worth evolution
- Goals, budgets and alerts
- Spending analysis and bank import
- Household and a plan for your child