No change in spending
This amount continues to go towards the payments you selected for change.
- 1 year
- −€1,644
- 3 years
- −€4,932
- 10 years
- −€16,440
- 30 years
- −€49,320
What could one monthly amount change?
Try your own inputs. From possible spending changes to an emergency fund and a long-term scenario.
Where could you free up money?
Choose categories and enter how much you could reduce your monthly spending. This is not the full cost of the service.
Based on your inputs€137per month
€1,644 Per year, if you maintain the change
Choose an expenseChange or cancel the paymentGive your money a new purpose
Pre-filled amounts are illustrative. The result is your estimate, not confirmed savings or an analysis of your transactions.
The same money. Three different futures.
You could keep spending this amount, set it aside in cash or consider investing it. Compare these choices over the same period.
Linked to your expenses€137 per month
€1,644 Per year, if you maintain the change
Edit monthly amountsHistorical context · stock market
How has the S&P 500 performed?
An example of US stocks tracked by some ETFs. Approximate average annual returns in USD, including reinvested dividends.
- 1 year
- 17.9 % 2025
- 5 years
- 14.4 % 2021–2025
- 10 years
- 14.8 % 2016–2025
- 30 years
- 10.4 % 1996–2025
Past performance does not guarantee future returns. The index fell by 37 % in 2008. Returns from an individual ETF or stock, and results in euros, may differ.
Periods end on 31. 12. 2025. Multi-year figures are the geometric average of annual returns. Fees, taxes and inflation are excluded. Source and annual figures ↗Adjust your illustrative scenario with the slider above or enter a percentage directly.
Set aside with no return
The amount stays yours. In cash or without interest.
- 1 year
- €1,644
- 3 years
- €4,932
- 10 years
- €16,440
- 30 years
- €49,320
Money with a return
Illustrative returns 0 % per year. You choose the rate.
- 1 year
- €1,644
- 3 years
- €4,932
- 10 years
- €16,440
- 30 years
- €49,320
Illustrative example · the same monthly amount
Where will your money go?
Money keeps going out-€16,440
Set aside without interest€16,440
Illustrative returns 0 % per year€16,440
At 0 %, the blue and green results are equal. You can change the illustrative rate above.
Give your money meaning
What could the money you free up make possible?
A larger emergency fund. A shared experience. Your own plan. Choose what matters to you.
Explore emergency fund and goalsIllustrative goal · you can change the amount
An emergency fund for unexpected expenses
Money available when an appliance breaks or an unexpected bill arrives.
If you free up each month€137
Over a year, you could set aside€1,644
The full target amount, starting from zero22 months
Starting from zero, with no interest. The model assumes regular contributions. The investment scenario above does not guarantee reaching your goal.Red figures show the total of selected expenses if you leave them unchanged. Not every expense is unnecessary. The blue and green scenarios assume you actually set aside the full amount every month. At 0 %, the blue and green results are equal. You can change the illustrative rate above.
Calculation assumptions and limits
Contributions are made at the end of each month. The annual rate entered is converted to a monthly rate and stays constant. The calculation excludes fees, taxes and inflation. Actual returns fluctuate and investments can lose value. This is not a market forecast, a specific product or an investment recommendation. FLOW does not move or invest money.
Your next step
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