Example: €50 from birth or from ten
Two plans, the same amount: €50 a month until the 18th birthday, at an assumed 7 % a year, credited once a year, the way the NextGen tab calculates. From birth that is 216 months and €10,800 paid in. The simulation arrives at €21,164.90. Almost half of it, 49 %, nobody paid in.
From the tenth birthday it is 96 months and €4,800 paid in, ending at €6,386.88. The ten years of waiting cost €14,778.02, which is 70 % of the plan from birth. Only €6,000 less was paid in. The rest is the time in which the money is already working.
Ten years later pays in a little less and ends with a lot less.
€14,778.02 is what ten years of waiting cost at 18, with €6,000 less paid in.
Calculated like the NextGen tab: the standing order at the start of each month, the return credited once a year, until the 18th birthday. The return is an assumption, not a promise.
Questions people ask
How much do €50 a month from birth come to by 18?
At an assumed 7% a year, credited once a year, about €21,165 with €10,800 paid in. The figure depends on the assumption, which is not a promise.
What does it cost to start a child's savings plan ten years later?
With the same €50 a month and 7% a year, about €14,778 at 18. Only €6,000 less is paid in, the rest is compound interest that never happens.
Why does the late plan lose more than it pays in less?
Because the early years earn returns for longest. Money paid in at birth works for eighteen years, money paid in at ten for eight.
Source: Own calculation, the arithmetic of the NextGen tab, as of 2026-10-29
Two plans with the same amount, one starts ten years later.
The simulation, the comparison and the Beam stay free.
Education, not advice. Disclaimer