Change the numbers and watch what happens
From your pocket
That's €5.26 per day
5% conservative · 10.5% historical (S&P 500)
Fiver Factor
What a fiver a day actually does
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Assumptions
How the numbers are worked out
- Your contributions are invested each month and grow at the return you select. Growth is applied monthly.
- Investment fees, charges and taxes are not included unless stated.
- Cash only shows your contributions, with no interest added.
- Pension figures increase your contribution by the tax-relief rate you select, and assume relief applies to the full amount. Employer match assumes your contribution is matched in full. Pension withdrawals may be taxed. Tax relief is subject to Revenue's age-related limits and earnings cap. Check your limit →
- In today's money assumes your contributions increase by 2.5% a year with inflation and shows the result in today's euros. Estimated income is based on drawing 4% of the final pot each year, before tax.
- The 10.5% return reflects the long-term history of the S&P 500. Past performance is not a reliable indicator of future results.
Illustration only, not a projection or a recommendation. Returns are not guaranteed. The value of investments can fall as well as rise, and you may get back less than you invest. Your result will depend on what you invest, how long you invest and how your investments perform. OwnIt Advisory provides financial education and coaching, not regulated financial advice. Consider independent advice from a regulated financial advisor before making investment or pension decisions.