Tools

Filter and sort the full ETF database by asset class, accumulating vs distributing, DEGIRO Core Selection eligibility, domicile, TER, and AUM. Click column headers to sort. A starting point for finding ETFs that match your criteria.

Pick two ETFs and compare them directly — indexed price chart, annualised return, volatility, Sharpe ratio, max drawdown, TER, AUM, and DEGIRO Core status. Useful for IWDA vs VWCE, CSPX vs VUSA, or any other pair.

The TER is what the fund charges; the tracking difference is what it actually costs. Some ETFs beat their benchmark after all fees — securities lending income can offset costs entirely. Others lag by more than their stated TER. See which is which.

Side-by-side comparison of every broker that serves your country — fees, ETF programmes, country-specific tax automation, and deposit protection. The country toggle swaps the broker set (NL: 5, DE: 7, BE: 5, IT: 7). Click a broker column to highlight it.

DEGIRO charges 0.1% when a trade settles in a non-EUR currency. Most ETFs have a EUR-listed share class on Euronext Amsterdam or XETRA — using it avoids the fee entirely. This guide shows which ticker to use per broker.

Answer two questions to get a shortlist of matching ETFs with reasoning. Not personalised advice — a starting point for your own research.

Five common Dutch DIY configurations — from single-ETF simplicity to factor tilts. Weighted TER, estimated leakage, and annual broker transaction cost at €500/month DCA.

How much does a higher ongoing charge cost over time? Compare two TERs on the same portfolio — the gap in final values compounds faster than it looks.

At what investment size does each broker become cheapest? Transaction costs only — fund costs (TER / tracking difference) are the same across all brokers for the same ETF.

Full annual cost breakdown — fund cost (tracking difference or TER), dividend leakage (WHT on foreign dividends), broker transaction fees, and country-specific tax drag (NL Box 3 / DE Vorabpauschale / BE TOB+Reynders / IT Imposta di Bollo) — for any ETF. The country toggle swaps both the tax overlay and the visible broker set; the DCA mode simulates fund cost, leakage, and broker custody month-by-month on the live portfolio. Includes a return simulator showing net portfolio value after fees.

Per-country withholding tax drag on dividends — Ireland DTA rates, gross portfolio yield, and how the leakage compares to the NTR benchmark deduction. Explains why S&P 500 and MSCI World ETFs domiciled in Ireland often show a negative tracking difference.

Country-aware acc-vs-dist comparison. NL: Box 3 treats both identically — only reinvestment friction differs. DE: Vorabpauschale (acc) vs Abgeltungsteuer (dist) leave long-run wealth similar. BE: acc + FSMA-registered pays the 1.32% TOB vs dist's 0.12% — often making dist structurally cheaper, the opposite NL conclusion. IT: acc defers 26% CGT until sale — a meaningful compounding advantage. The country toggle switches the tax callout and broker set.

Enter your ETF holdings and weights to see the combined country and sector breakdown. Spot hidden concentration — e.g. two “diversified” ETFs that are both 70% US tech.

See how much two ETFs share in common. Identical index families overlap ~100%. Combining world and emerging-market ETFs adds complementary exposure; combining world and S&P 500 doubles up on US large caps.

Enter your current holdings and target allocation. See which ETFs to buy or sell to rebalance — or how to deploy new cash to minimise transactions.

Your savings rate matters far more than your investment return. This chart shows years to financial independence at every savings rate from 5% to 80% — and how much time you save by increasing it.

When can you reach financial independence? Enter your current portfolio, monthly savings, and target amount. See which ETF + broker gets you there fastest — and how many months of your retirement fees steal from you.

Project your portfolio value after fees. Set a target amount to see how much you need to invest monthly per broker to reach it.

How long does your portfolio last at a given withdrawal rate? Based on the Bengen (1994) 4% rule as a reference point. Enter your portfolio, monthly spending, and expected return to see a deterministic depletion curve.

What does waiting cost? Compare investing today vs parking cash in a savings account for 1–24 months first. The opportunity cost column shows how much extra compounding you forgo.

Should extra monthly savings go toward overpaying your mortgage or investing in ETFs? Compare net wealth over time for both paths, see the breakeven ETF return, and factor in Dutch mortgage interest tax relief (hypotheekrenteaftrek).

How should your equity allocation change as you approach retirement? Compare four strategies — 100 minus age, 110 minus age, Vanguard-style target-date, and fixed 60/40. Adjust your current age and retirement age to see your recommended allocation today.

Enter your regular contribution and target allocation across several ETFs, and see what the split costs you. Every extra fund pays the commission again — on a flat-fee broker, four funds cost four times one — so a wide split can quietly take a real bite out of a small contribution. Compares monthly against quarterly buying at your broker's published rates.

Two investors earn the same average return but in reverse order. In accumulation the difference is negligible. In retirement withdrawal, bad returns early can deplete a portfolio decades before a good-start investor — even with identical long-run averages.

Keeping 3–6 months of expenses in cash is standard advice — but what does it cost over time? See the compounding gap between a savings account and an invested portfolio, and decide how large a liquidity buffer you actually need.

How much of your desired retirement income will AOW and your work pension cover? Calculate the monthly shortfall and the portfolio size needed to fill it — with a sensitivity table across 3–4.5% safe withdrawal rates.

When will you hit €100k, €500k, €1M? Enter your current portfolio, monthly contribution, and expected return to see a timeline of every major milestone — with a progress bar for each. The first €100k is always the hardest.

Over time, how much of your portfolio came from your own contributions vs compound market returns? Shows the crossover year — when the market starts working harder for you than you do for it.

What does €50, €100, or €500 more per month actually do to your final portfolio? Shows five boosted trajectories alongside your baseline and a table of extra wealth generated — compounding turns small increases into large differences over time.

A 0.75%/yr advisor fee sounds small — but on a growing portfolio it compounds against you. Compare DIY passive investing vs using a paid advisor or robo-advisor, and see how much of the fee drag is hidden lost compounding rather than fees paid.

Enter your portfolio size and the maximum loss you could tolerate without panic-selling. See exactly how much each equity allocation would have lost in the GFC, COVID crash, and 2022 rate-hike selloff — and which allocation stays within your limit.

A savings account at 2.5% loses purchasing power when inflation runs above it. After Dutch Box 3 tax (~2.1%/yr drag), you need roughly 4.6%/yr just to break even in real terms. See nominal vs real values for savings vs an ETF portfolio over time.

Dutch retirement has three distinct phases: accumulation (working years), early retirement (full portfolio draws before AOW), and the AOW phase from age 67 (state pension reduces portfolio withdrawals). See your portfolio trajectory across all three.

At 7%/yr your money doubles in ~10 years, triples in ~16, and grows 10× in ~34. At 2.5% (savings account) it takes 29 years just to double. See the full table across return rates and multiples — the most useful mental model in investing.

Box 3 taxes deemed returns on your wealth — not your actual gains. At the 2026 investment rate of 6.00% × 36% tax, it costs roughly 2.2% of your portfolio per year above the tax-free threshold, on top of the fund's TER.

Germany taxes accumulating funds via the Vorabpauschale — an advance lump-sum tax of 70% × Basiszinssatz × portfolio value, capped at the actual annual gain. Equity ETFs get 30% Teilfreistellung, leaving roughly 0.30%/yr drag at the 2024 Basiszins of 2.29%. Includes Sparer-Pauschbetrag and optional Kirchensteuer.

Belgium has two ETF-specific taxes. TOB (Taxe sur les Opérations de Bourse) is a per-side transaction tax of 1.32% on FSMA-registered accumulating funds and 0.12% otherwise — an 11× spread that makes the registration check material. Reynders adds 30% CGT on the bond-portion of returns above a 10% bond threshold.

Italy stacks two layers on every ETF investor: a flat 0.20% Imposta di Bollo on the portfolio every year, and 26% capital-gains tax on realised gains at sale. Accumulating funds defer the CGT — a sizeable compounding advantage over distributing peers, which pay 26% on every dividend. Toggle regime amministrato (broker withholds) vs dichiarativo (Modulo RW + IVAFE self-declaration) to see the paperwork trade-off; flip the armonizzato switch to model non-recognised funds taxed at your IRPEF rate instead.

Periodic table of returns — ETFs ranked top-to-bottom by annual performance within each year. Shows how asset classes rotate between best and worst, illustrating why diversification matters more than chasing last year's winner.

Compare real price performance across ETFs. Returns are indexed to 100 at the start of the selected period — currency-neutral so EUR and USD listings are directly comparable.

Annualised return over a rolling 1, 3, or 5-year window, plotted month by month. Reveals how variable returns are over time — a single CAGR number hides the full range of outcomes an investor would have experienced.

Run 2,000 random scenarios from an expected return and volatility you set. The fan shows how wide the range of outcomes is — the middle line is the median, not a prediction. Use the target field to see the probability of reaching a specific amount.

Invest a fixed amount every month into a market with the return and volatility you choose, and watch one path play out — total invested vs portfolio value, plus the money-weighted (IRR) return. Shows the stretches where the portfolio is worth less than the money paid in, which a range-of-outcomes chart hides.

You have a windfall — invest it all today or spread it over several months? Across thousands of simulated runs at the return and volatility you choose, see how often lump sum came out ahead, and by how much.

What happens if you miss the market's best months? Across a thousand simulated paths, see how €10,000 grows with 0, 1, 3, 6, or 12 of the best months removed. The strongest months cluster around the worst volatility — so trying to sidestep bad stretches usually means missing the rebounds too.

A 2× daily-reset ETF does not return 2× the market over time. Daily rebalancing causes volatility drag: L×(L−1)/2 × σ² per year. At 20% market vol, a 2× product loses ~2pp/yr before the market moves at all — and the drag explodes at 3×.

Project the annual dividend income stream from a distributing ETF over time. Compare cashing out dividends vs reinvesting them to see the compounding difference. Relevant for investors building a passive income stream.

Historical ex-dates and per-unit distribution amounts for distributing ETFs. NL + DE residents see late-year ex-dates highlighted (Box 3 peildatum / Vorabpauschale Basisertrag start both pivot on 1 January); BE + IT taxes don't hinge on the date. The country toggle swaps the reinvestment-cost broker set and the timing-note copy.

Annual bar chart and full payments table for distributing ETFs — ex-dates, per-unit amounts, and trailing 12-month total. Select any ETF; accumulating funds show a note that no cash distributions are paid.