Margin of safety: how we account for being wrong
It's impossible to predict the future, but with a 20% margin of safety against our calculated fair value, we can afford to be wrong. If Sunbeam & Cloud Ltd's…
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Tool
Savings calculator
See how your savings can grow over time, or calculate withdrawals and dividends if you plan to live off your capital. Adjust monthly contributions, initial capital, time horizon and expected return to explore different scenarios.
Calculate your savings
Guide
How to interpret the result
The calculator shows an estimate based on your assumptions. Actual returns vary from year to year, but the result gives a good picture of how the different variables interact.
- Time matters most
- Compounding accelerates over the years. The last ten years of a 30-year savings plan can generate more capital than the first twenty. Try adjusting the time horizon in the calculator to see the difference.
- Initial capital versus monthly saving
- A large lump sum gives a head start, but regular contributions often make a bigger difference in the long run. Try comparing a high initial capital without monthly saving against a lower starting amount with regular contributions.
- Returns before fees and taxes
- The calculator shows returns before fees and taxes. In reality, a management fee and possible tax on notional income (ISK) or capital gains apply. One percentage point in fees can mean hundreds of thousands less after 20 years.
- Test different scenarios
- Nobody knows what return the future will bring. By testing optimistic, realistic and conservative scenarios, you get a sense of the range of possible outcomes and can plan accordingly.
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