At the eighteenth birthdayderived2025
US$32,010Interest: US$21,210Paid in: US$10,800
What your child has at 18, with your numbers: with Pro.
Unlock ProThree dials. What your child has at 18, and what waiting costs.
Not a forecast. A calculation with your own figures.
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At a glance
WildComb
BORN2026ARRIVAL2044
US$32,010A card with year of birth, arrival, amount and assumption. No name of the child.
German parental allowance in every variant, before the birth. A WildComb tool, in German.
After inflationderived2025
US$20,167After inflation (US, since 2010): US$20,167 in today's money.
The assumption is above inflation, so the plan gains purchasing power.
Where the assumption sitsderived2025
11.0 % per yearExactly on S&P 500, since 1970.
A month, a yearassumption
US$600 per yearUS$50 a month is US$600 a year, US$10,800 until 18.
The price of waiting
Starting at 3 instead of from birth leaves US$10,157 less at 18.
From birth, US$10,800 paid in becomes US$32,010 in this simulation, and US$21,210 of that was never paid in.
nominal · before costs and taxes · past returns are not a forecast · amounts in USD·Method
derived2025- The return of the S&P 500 is measured in US dollars.
- The exchange rate, product costs and taxes are not included.
- Past returns are not a forecast.
- The figure is the average yearly return of the index with dividends reinvested, worked out from its year-end values for 1969 and 2025.
- S&P 500: Aswath Damodaran, NYU Stern. Covers up to 2025, fetched 2026-11-09.
Nothing is saved. No name, no date of birth. The age is enough.
Every mark on the assumption dial
Tap a line and the dial turns to it. Every figure says where it comes from.
What standing still costs
Markets, with dividends
Three things Pro adds
In nine out of ten of the 2,000 runs at least Pro
•••••
Pro runs the plan 2,000 times and says what nine out of ten of those runs reach at least.
Left after product costs, taxes and inflation Pro
•••••
Pro takes product costs, taxes and inflation off the result for your country.
A child has a tax allowance of its own, and whether it applies depends on whose account the money sits in and what else the child receives. This page does arithmetic and gives no tax advice.