By Kestutis Balciunas · European long-term investor, 11+ years self-directed · Editorial process
Free Tools & Screeners for European Investors
Every calculator and screener I have built for European UCITS ETF and dividend investors — free, no sign-up, and running entirely in your browser. They cross-link, so you can move from comparing funds to checking the tax to building the portfolio in a few clicks. None of this is personalised financial advice; see the editorial process for how assumptions are documented.
Compare & analyse
Pick the right fund and understand what you actually own.
UCITS ETF Comparison Tool
Compare ~50 UCITS ETFs side by side: TER, domicile, withholding tax, accumulating vs distributing and lifetime cost.
ETF Overlap & Correlation Analyzer
See whether two ETFs diversify or double up — exposure overlap between VWCE, VUAA, IWDA, Nasdaq, EM and bonds.
ETF Volatility & Drawdown Comparison
Compare the typical volatility and worst-crash drawdown of the main asset classes — in euros on your amount.
ETF Fee (TER) Cost Calculator
See how a tiny expense ratio compounds into tens of thousands of euros over decades — compare three funds.
EU Broker Fee Comparator
Rank ten European brokers by total annual cost — commission, FX and custody — for your portfolio and DCA.
My Real Return (XIRR) Calculator
Deposits in, withdrawals out, value today — the money-weighted annual return you actually earned, not the fund’s brochure number.
CAGR Calculator
Start value, end value, years — the annualized growth rate, total return and exact doubling time in one glance.
Average Cost Calculator
All your buys — total units, total invested and your average cost per share, the number your tax records are built on.
Build & plan your portfolio
Design a mix, work out the numbers and keep it on track.
UCITS ETF Portfolio Builder
Blend UCITS building blocks and see your blended cost, true regional exposure, overlap and a fee-aware projection.
How Much Do I Need to Invest?
Find the monthly amount to reach a target portfolio or income goal — and see how you can start from as little as €1.
Compound Growth Calculator
Model UCITS portfolio growth with monthly contributions, reinvested dividends and worked European examples.
Currency Hedged vs Unhedged Calculator
See how a EUR/USD move hits an unhedged ETF versus a hedged one — across currency scenarios, with the hedging cost.
ETF Rebalancing Cost Calculator
Compare the fee and tax cost of monthly vs annual vs threshold rebalancing — and the contributions trick that avoids selling.
Lump Sum vs DCA Simulator
Deploy it all at once or spread it over months? Expected outcomes and honest ranges for both — plus what the waiting costs.
European Inflation Calculator
What today’s euros buy in 10 or 20 years at ECB-target or spike-era inflation — and the real return your investments must clear.
Bond Duration Impact Calculator
What happens to your bond ETF if rates rise 1%? Duration math with the 2022 reality check built in.
Tax tools
The layers most calculators ignore — and the ones that quietly cost you most.
Vorabpauschale Calculator (Germany)
Estimate your January prepayment tax on accumulating ETFs — Basiszins, Teilfreistellung and Sparer-Pauschbetrag applied for you.
European Capital Gains Tax Comparator
Your ETF gain, taxed in 30 European countries and sorted cheapest first — exemption clocks and special regimes included.
Tax-Free Clock
Enter your purchase date and country — see the exact day your holding becomes tax-free (Czechia, Slovakia, Croatia, Slovenia, TBSZ and more).
European Pension Gap Calculator
Desired income minus state pension — the portfolio that closes the gap and the monthly investment that gets you there.
ETF Withholding Tax Calculator
The hidden fund-level US dividend withholding tax by domicile — Ireland 15% vs Luxembourg 30% — in euros.
Accumulating vs Distributing Tax Calculator
Which UCITS share class keeps more after tax in your country — Germany Vorabpauschale, Lithuania, Belgium, Ireland and more.
EU Dividend Tax Calculator
What your country actually taxes on ETF dividends — with a lowest-first ranking across Europe.
Dividends & income
Build, screen and schedule a dividend income stream.
Dividend Investing Calculator
Project after-tax DRIP growth, dividend-growth income and yield-on-cost — now with your country’s dividend tax built in.
European Dividend Aristocrats Screener
Filter well-known European dividend stocks by country, sector, profile and yield — a research starting point.
UCITS ETF Dividend Calendar
See when popular distributing UCITS ETFs typically pay — and how to combine offset funds for income every month.
ESG / Sustainable ETF Screener
Filter sustainable UCITS ETFs by approach — Screened, Enhanced, SRI, Paris-Aligned — region and cost, and spot greenwashing.
Retirement & financial independence
From the target number to drawing it down safely.
Financial Freedom (FIRE) Calculator
Compute your FIRE number with the 25x rule, a chosen safe withdrawal rate and European tax context.
Safe Withdrawal Rate Calculator
Will your portfolio last retirement? Test your withdrawal rate, see how much dividends cover, and compare 3–6%.
Coast FIRE Calculator
Is your portfolio already big enough to coast — no new savings, just time? Your coast number and how far along you are.
How Long Will My Money Last?
A pot, a monthly withdrawal, a return and inflation — the honest depletion timeline, month by month.
Big money decisions
The four questions European households ask most — answered with numbers instead of opinions.
Rent vs Buy Calculator (Europe)
The 5%-rule comparison with the deposit’s ETF opportunity cost included — plus the breakeven rent for any home price.
Mortgage Overpay vs Invest
Extra euros into the mortgage or the market? Guaranteed savings vs expected returns over your remaining term, after tax.
Invest or Pay Off Debt?
After-tax expected return vs your debt rate — a clear recommendation, months-to-debt-free and the portfolio alternative.
Emergency Fund Calculator
How many months you need, the gap to fill and where to park it — instant-access cash vs money-market funds.
Crypto-earn (speculative)
Risk-aware, for a small speculative allocation only.
Nexo Earnings Calculator
Project Nexo crypto-earn yield with loyalty tiers and NEXO-boost rates — with explicit counterparty and regulatory risk framing.
Every tool is free, requires no sign-up and runs entirely in your browser. None of these tools are personalised financial advice. Some pages contain affiliate links — see the affiliate disclosure.
Guides that pair with these tools
How-to guides for the calculators:
The figures behind several of these tools are published as open CSV datasets (CC BY 4.0) on the datasets and tools hub.