{"id":1693,"date":"2026-04-22T19:02:15","date_gmt":"2026-04-22T19:02:15","guid":{"rendered":"https:\/\/manuel360finanz.de\/?p=1693"},"modified":"2026-04-22T20:29:15","modified_gmt":"2026-04-22T20:29:15","slug":"etf-sparplan-rechner-2026-mit-250-e-monatlich-340-000-e-reale-rente-aufbauen-inflation-beruecksichtigt","status":"publish","type":"post","link":"https:\/\/manuel360finanz.de\/de\/etf-sparplan-rechner-2026-mit-250-e-monatlich-340-000-e-reale-rente-aufbauen-inflation-beruecksichtigt\/","title":{"rendered":"ETF-Sparplan Rechner 2026: Mit 250 \u20ac monatlich 340.000 \u20ac reale Rente aufbauen (Inflation ber\u00fccksichtigt)"},"content":{"rendered":"<style>\n#m360calc *,#m360calc *::before,#m360calc *::after{box-sizing:border-box}\n#m360calc{\n  font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;\n  background:#0f1f38;border:1px solid rgba(255,255,255,.1);\n  border-radius:16px;padding:28px;color:#f0f4ff;margin:24px 0;\n}\n#m360calc .ct{font-size:20px;font-weight:700;margin-bottom:4px;color:#f0f4ff}\n#m360calc .cs{font-size:13px;color:#8ba3c9;margin-bottom:22px}\n#m360calc .slbl{display:block;font-size:11px;font-weight:700;color:#8ba3c9;text-transform:uppercase;letter-spacing:.5px;margin:16px 0 10px}\n#m360calc .rtbar{display:flex;gap:3px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:3px;width:fit-content;margin-bottom:4px}\n#m360calc .rb{padding:7px 15px;border-radius:6px;background:transparent;border:none;cursor:pointer;color:#8ba3c9;font-size:13px;font-weight:500;font-family:inherit;transition:all .2s}\n#m360calc .rb.on{background:rgba(255,255,255,.12);color:#f0f4ff}\n#m360calc .igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:12px;margin-bottom:14px}\n#m360calc .ig label{display:block;font-size:11px;font-weight:600;color:#8ba3c9;text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}\n#m360calc .ifield{display:flex;align-items:center;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:9px;padding:10px 13px;transition:border-color .2s}\n#m360calc .ifield:focus-within{border-color:#c9a227}\n#m360calc .ifield input{background:none;border:none;outline:none;color:#f0f4ff;font-size:18px;font-weight:700;width:100%;font-family:inherit}\n#m360calc .ifield input::-webkit-inner-spin-button,#m360calc .ifield input::-webkit-outer-spin-button{-webkit-appearance:none}\n#m360calc .iu{font-size:14px;color:#8ba3c9;font-weight:600;flex-shrink:0}\n#m360calc .divider{display:flex;align-items:center;gap:10px;margin:18px 0 14px}\n#m360calc .dl{flex:1;height:1px;background:rgba(255,255,255,.08)}\n#m360calc .dt{font-size:11px;font-weight:700;color:#c9a227;text-transform:uppercase;letter-spacing:.6px;background:rgba(201,162,39,.1);padding:3px 11px;border-radius:999px;border:1px solid rgba(201,162,39,.2)}\n#m360calc .cbtn{width:100%;padding:14px;background:linear-gradient(135deg,#c9a227,#e0b84a);border:none;border-radius:10px;color:#0a1628;font-size:15px;font-weight:700;font-family:inherit;cursor:pointer;transition:opacity .2s,transform .2s;margin-top:4px}\n#m360calc .cbtn:hover{opacity:.9;transform:translateY(-1px)}\n#m360calc .res{margin-top:24px}\n#m360calc .rkpi{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin-bottom:18px}\n#m360calc .rcard{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:11px;padding:14px;text-align:center}\n#m360calc .rcard.hg{border-color:rgba(201,162,39,.3);background:rgba(201,162,39,.06)}\n#m360calc .rcard.hv{border-color:rgba(92,196,132,.3);background:rgba(92,196,132,.06)}\n#m360calc .rcard.hb{border-color:rgba(30,111,217,.3);background:rgba(30,111,217,.06)}\n#m360calc .rl{font-size:10px;font-weight:700;color:#8ba3c9;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}\n#m360calc .rv{font-size:20px;font-weight:700;color:#f0f4ff}\n#m360calc .rv.gold{color:#e0b84a}\n#m360calc .rv.green{color:#5cc484}\n#m360calc .rv.sky{color:#6aadff}\n#m360calc .rv.amb{color:#f59e0b}\n#m360calc .prow{display:flex;align-items:center;gap:9px;margin-bottom:7px}\n#m360calc .plbl{font-size:12px;color:#8ba3c9;width:110px;flex-shrink:0}\n#m360calc .pbg{flex:1;height:7px;background:rgba(255,255,255,.07);border-radius:99px;overflow:hidden}\n#m360calc .pfill{height:100%;border-radius:99px;transition:width .8s ease}\n#m360calc .ppct{font-size:12px;font-weight:700;width:40px;text-align:right;flex-shrink:0}\n#m360calc .cwrap{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.08);border-radius:11px;padding:18px;margin:14px 0;overflow:hidden}\n#m360calc .ctit{font-size:13px;font-weight:700;color:#f0f4ff;margin-bottom:10px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px}\n#m360calc .cleg{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:10px}\n#m360calc .cli{display:flex;align-items:center;gap:5px;font-size:11px;color:#8ba3c9}\n#m360calc .cldot{width:8px;height:8px;border-radius:50%;flex-shrink:0}\n#m360calc canvas{max-width:100%;display:block}\n#m360calc details summary{cursor:pointer;font-size:12px;font-weight:700;color:#8ba3c9;padding:9px 13px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:8px;list-style:none;margin-bottom:5px;user-select:none}\n#m360calc details summary:hover{color:#f0f4ff}\n#m360calc .twrap{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.08);border-radius:10px;overflow-x:auto;margin-bottom:14px}\n#m360calc .twrap table{width:100%;border-collapse:collapse;font-size:12px;min-width:480px}\n#m360calc .twrap thead th{background:rgba(255,255,255,.05);color:#8ba3c9;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;padding:9px 12px;text-align:right;white-space:nowrap}\n#m360calc .twrap thead th:first-child{text-align:left}\n#m360calc .twrap tbody tr{border-top:1px solid rgba(255,255,255,.04)}\n#m360calc .twrap tbody tr:hover{background:rgba(255,255,255,.02)}\n#m360calc .twrap tbody td{padding:8px 12px;text-align:right;color:#8ba3c9}\n#m360calc .twrap tbody td:first-child{text-align:left;color:#f0f4ff;font-weight:600}\n#m360calc .tn{color:#5cc484!important;font-weight:600!important}\n#m360calc .tr{color:#f59e0b!important;font-weight:600!important}\n#m360calc .te{color:#6aadff!important;font-weight:700!important}\n#m360calc .ehigh{background:linear-gradient(135deg,rgba(30,111,217,.12),rgba(30,111,217,.06));border:1px solid rgba(30,111,217,.3);border-radius:11px;padding:18px;display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin:14px 0;text-align:center}\n#m360calc .ehv{font-size:22px;font-weight:700;color:#6aadff}\n#m360calc .ehl{font-size:10px;color:#8ba3c9;margin-top:3px;font-weight:600;text-transform:uppercase;letter-spacing:.4px}\n#m360calc .warn{display:none;background:rgba(224,80,80,.1);border:1px solid rgba(224,80,80,.3);border-radius:8px;padding:11px 14px;color:#e05050;font-size:13px;margin-bottom:12px}\n#m360calc .pdfbtn{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);color:#8ba3c9;padding:7px 14px;border-radius:7px;font-size:12px;font-weight:600;cursor:pointer;font-family:inherit;transition:all .2s}\n#m360calc .pdfbtn:hover{background:rgba(255,255,255,.1);color:#f0f4ff}\n#m360calc .kbanner{background:linear-gradient(135deg,rgba(201,162,39,.1),rgba(10,22,40,.9));border:1px solid rgba(201,162,39,.25);border-radius:13px;padding:20px 22px;margin:20px 0;position:relative;overflow:hidden}\n#m360calc .kbanner::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,#c9a227,#e0b84a,#c9a227,transparent)}\n#m360calc .kbanner h4{font-size:15px;font-weight:700;color:#f0f4ff;margin-bottom:6px}\n#m360calc .kbanner h4 em{color:#e0b84a;font-style:normal}\n#m360calc .kbanner p{font-size:13px;color:#8ba3c9;margin-bottom:14px}\n#m360calc .kbtns{display:flex;gap:8px;flex-wrap:wrap}\n#m360calc .kbtn1{display:inline-flex;align-items:center;gap:6px;background:#c9a227;color:#0a1628;padding:10px 18px;border-radius:8px;font-weight:700;font-size:13px;text-decoration:none;transition:background .2s}\n#m360calc .kbtn1:hover{background:#e0b84a;color:#0a1628}\n#m360calc .kbtn2{display:inline-flex;align-items:center;gap:6px;background:transparent;color:#c9a227;padding:9px 18px;border-radius:8px;font-weight:600;font-size:12px;text-decoration:none;border:1px solid rgba(201,162,39,.35);transition:all .2s}\n#m360calc .kbtn2:hover{background:rgba(201,162,39,.1)}\n@media(max-width:600px){\n  #m360calc .igrid{grid-template-columns:1fr 1fr}\n  #m360calc .ehigh{grid-template-columns:1fr}\n  #m360calc .rkpi{grid-template-columns:1fr 1fr}\n}\n<\/style>\n\n<div id=\"m360calc\">\n  <div class=\"ct\">ETF-Sparplan Rechner<\/div>\n  <div class=\"cs\">Sparphase + Entnahmeplan + Inflation + grafische Auswertung + PDF<\/div>\n\n  <span class=\"slbl\">Renditeangabe<\/span>\n  <div class=\"rtbar\">\n    <button class=\"rb on\" id=\"m360_btnA\" onclick=\"m360setRM('a')\">Jaehrlich p.a.<\/button>\n    <button class=\"rb\" id=\"m360_btnM\" onclick=\"m360setRM('m')\">Monatlich<\/button>\n  <\/div>\n\n  <span class=\"slbl\" style=\"margin-top:14px\">Sparphase<\/span>\n  <div class=\"igrid\">\n    <div class=\"ig\"><label>Einmalbetrag<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_iv\" value=\"10000\" min=\"0\"><span class=\"iu\">EUR<\/span><\/div><\/div>\n    <div class=\"ig\"><label>Monatliche Rate<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_im\" value=\"250\" min=\"0\"><span class=\"iu\">EUR<\/span><\/div><\/div>\n    <div class=\"ig\"><label>Rendite<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_ir\" value=\"7.5\" min=\"0\" step=\"0.1\"><span class=\"iu\">%<\/span><\/div><\/div>\n    <div class=\"ig\"><label>Laufzeit<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_iy\" value=\"25\" min=\"1\" max=\"60\"><span class=\"iu\">Jahre<\/span><\/div><\/div>\n    <div class=\"ig\"><label>Inflation p.a.<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_ii\" value=\"2.0\" min=\"0\" step=\"0.1\"><span class=\"iu\">%<\/span><\/div><\/div>\n  <\/div>\n\n  <div class=\"divider\"><div class=\"dl\"><\/div><div class=\"dt\">Entnahmeplan<\/div><div class=\"dl\"><\/div><\/div>\n  <div class=\"igrid\">\n    <div class=\"ig\"><label>Entnahmedauer<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_ed\" value=\"20\" min=\"1\" max=\"50\"><span class=\"iu\">Jahre<\/span><\/div><\/div>\n    <div class=\"ig\"><label>Rendite Rentenphase<\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_er\" value=\"4.0\" min=\"0\" step=\"0.1\"><span class=\"iu\">%<\/span><\/div><\/div>\n    <div class=\"ig\" style=\"grid-column:span 2\"><label>Wunsch-Entnahme\/Monat <small style=\"font-size:9px;font-weight:400;color:#8ba3c9\">(0 = automatisch)<\/small><\/label><div class=\"ifield\"><input type=\"number\" id=\"m360_ew\" value=\"0\" min=\"0\"><span class=\"iu\">EUR<\/span><\/div><\/div>\n  <\/div>\n\n  <button class=\"cbtn\" onclick=\"m360calc()\">Jetzt berechnen<\/button>\n\n  <div class=\"res\" id=\"m360_res\" style=\"display:none\">\n    <div class=\"divider\" style=\"margin-top:22px\"><div class=\"dl\"><\/div><div class=\"dt\">Sparphase Ergebnis<\/div><div class=\"dl\"><\/div><\/div>\n    <div class=\"rkpi\">\n      <div class=\"rcard hg\"><div class=\"rl\">Endkapital nominal<\/div><div class=\"rv gold\" id=\"m360_r1\">-<\/div><\/div>\n      <div class=\"rcard\"><div class=\"rl\">Endkapital real<\/div><div class=\"rv amb\" id=\"m360_r2\">-<\/div><\/div>\n      <div class=\"rcard\"><div class=\"rl\">Einzahlungen<\/div><div class=\"rv\" id=\"m360_r3\">-<\/div><\/div>\n      <div class=\"rcard hv\"><div class=\"rl\">Kursgewinne<\/div><div class=\"rv green\" id=\"m360_r4\">-<\/div><\/div>\n    <\/div>\n    <div style=\"margin:12px 0 18px\">\n      <div class=\"prow\"><span class=\"plbl\">Einzahlungen<\/span><div class=\"pbg\"><div class=\"pfill\" id=\"m360_pb1\" style=\"background:#6aadff;width:0%\"><\/div><\/div><span class=\"ppct\" id=\"m360_pp1\" style=\"color:#6aadff\">-<\/span><\/div>\n      <div class=\"prow\"><span class=\"plbl\">Kursgewinne<\/span><div class=\"pbg\"><div class=\"pfill\" id=\"m360_pb2\" style=\"background:#5cc484;width:0%\"><\/div><\/div><span class=\"ppct\" id=\"m360_pp2\" style=\"color:#5cc484\">-<\/span><\/div>\n    <\/div>\n    <div class=\"cwrap\">\n      <div class=\"ctit\">\n        <span>Vermoegensentwicklung (nominal vs. real)<\/span>\n        <button class=\"pdfbtn\" onclick=\"m360dlPDF()\">PDF Export<\/button>\n      <\/div>\n      <div class=\"cleg\">\n        <div class=\"cli\"><div class=\"cldot\" style=\"background:#5cc484\"><\/div>Nominal<\/div>\n        <div class=\"cli\"><div class=\"cldot\" style=\"background:#f59e0b\"><\/div>Real<\/div>\n        <div class=\"cli\"><div class=\"cldot\" style=\"background:#6aadff\"><\/div>Einzahlungen<\/div>\n      <\/div>\n      <canvas id=\"m360_cs\" height=\"110\"><\/canvas>\n    <\/div>\n    <details><summary>Jahresuebersicht Sparphase anzeigen<\/summary>\n      <div class=\"twrap\"><table>\n        <thead><tr><th>Jahr<\/th><th>Einzahlungen<\/th><th>Nominal<\/th><th>Real<\/th><th>Kursgewinn<\/th><\/tr><\/thead>\n        <tbody id=\"m360_ts\"><\/tbody>\n      <\/table><\/div>\n    <\/details>\n\n    <div class=\"divider\"><div class=\"dl\"><\/div><div class=\"dt\">Entnahmeplan Ergebnis<\/div><div class=\"dl\"><\/div><\/div>\n    <div class=\"ehigh\">\n      <div><div class=\"ehv\" id=\"m360_e1\">-<\/div><div class=\"ehl\">Monatliche Entnahme<\/div><\/div>\n      <div><div class=\"ehv\" id=\"m360_e2\">-<\/div><div class=\"ehl\">Entnahmedauer<\/div><\/div>\n      <div><div class=\"ehv\" id=\"m360_e3\">-<\/div><div class=\"ehl\">Entnahmen gesamt<\/div><\/div>\n    <\/div>\n    <div class=\"warn\" id=\"m360_warn\"><\/div>\n    <div class=\"cwrap\">\n      <div class=\"ctit\">Kapitalentwicklung in der Entnahmephase<\/div>\n      <div class=\"cleg\">\n        <div class=\"cli\"><div class=\"cldot\" style=\"background:#6aadff\"><\/div>Restkapital nominal<\/div>\n        <div class=\"cli\"><div class=\"cldot\" style=\"background:#f59e0b\"><\/div>Restkapital real<\/div>\n      <\/div>\n      <canvas id=\"m360_ce\" height=\"110\"><\/canvas>\n    <\/div>\n    <details><summary>Jahresuebersicht Entnahmeplan anzeigen<\/summary>\n      <div class=\"twrap\"><table>\n        <thead><tr><th>Jahr<\/th><th>Monatl. Entnahme<\/th><th>Entnommen (Jahr)<\/th><th>Restkapital nominal<\/th><th>Restkapital real<\/th><\/tr><\/thead>\n        <tbody id=\"m360_te\"><\/tbody>\n      <\/table><\/div>\n    <\/details>\n\n    <div class=\"kbanner\">\n      <h4>Edelmetalle als Inflationsschutz - Mein Partner: <em>Kettner Edelmetalle<\/em><\/h4>\n      <p>Neben ETFs investiere ich in physisches Gold und Silber als stabilen Wertspeicher. Faire Preise, sicherer Versand aus Deutschland.<\/p>\n      <div class=\"kbtns\">\n        <a href=\"https:\/\/kettner.shop\/h1Li6P\" class=\"kbtn1\" target=\"_blank\" rel=\"noopener\">Jetzt bei Kettner kaufen<\/a>\n        <a href=\"https:\/\/www.kettner-edelmetalle.de\/account\/portfolio\" class=\"kbtn2\" target=\"_blank\" rel=\"noopener\">Mein Portfolio<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n  \/* Chart.js laden wenn noch nicht vorhanden *\/\n  function loadScript(src, cb){\n    if(document.querySelector('script[src=\"'+src+'\"]')){ cb(); return; }\n    var s=document.createElement('script'); s.src=src; s.onload=cb; document.head.appendChild(s);\n  }\n  function loadjsPDF(cb){\n    var src='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js';\n    loadScript(src, cb);\n  }\n\n  var rMode='a', cS=null, cE=null, sD=[], eD=[];\n\n  window.m360setRM=function(m){\n    rMode=m;\n    document.getElementById('m360_btnA').className='rb'+(m==='a'?' on':'');\n    document.getElementById('m360_btnM').className='rb'+(m==='m'?' on':'');\n  };\n\n  function gv(id){ return parseFloat(document.getElementById(id).value)||0; }\n  function fmt(v){ return Math.round(v).toLocaleString('de-DE')+' EUR'; }\n\n  window.m360calc=function(){\n    var iv=gv('m360_iv'), im=gv('m360_im'), ir=gv('m360_ir');\n    var iy=parseInt(document.getElementById('m360_iy').value)||25;\n    var ii=gv('m360_ii'), ed=parseInt(document.getElementById('m360_ed').value)||20;\n    var er=gv('m360_er'), ew=gv('m360_ew');\n\n    var mr = rMode==='a' ? Math.pow(1+ir\/100,1\/12)-1 : ir\/100;\n\n    \/* Sparphase *\/\n    var bal=iv, dep=iv;\n    sD=[{y:0,dep:Math.round(iv),nom:Math.round(iv),real:Math.round(iv)}];\n    for(var mo=1;mo<=iy*12;mo++){\n      bal=bal*(1+mr)+im; dep+=im;\n      if(mo%12===0){\n        var yr=mo\/12;\n        var rl=bal\/Math.pow(1+ii\/100,yr);\n        sD.push({y:yr,dep:Math.round(dep),nom:Math.round(bal),real:Math.round(rl)});\n      }\n    }\n    var fn=sD[sD.length-1].nom, fr=sD[sD.length-1].real;\n    var fd=sD[sD.length-1].dep, fg=fn-fd;\n    var gp=Math.round(fg\/fn*100), dp=100-gp;\n\n    document.getElementById('m360_r1').textContent=fmt(fn);\n    document.getElementById('m360_r2').textContent=fmt(fr);\n    document.getElementById('m360_r3').textContent=fmt(fd);\n    document.getElementById('m360_r4').textContent=fmt(fg);\n    document.getElementById('m360_pb1').style.width=dp+'%';\n    document.getElementById('m360_pb2').style.width=gp+'%';\n    document.getElementById('m360_pp1').textContent=dp+'%';\n    document.getElementById('m360_pp2').textContent=gp+'%';\n\n    var tb=document.getElementById('m360_ts'); tb.innerHTML='';\n    sD.forEach(function(r){\n      var g=r.nom-r.dep;\n      tb.innerHTML+='<tr><td>'+r.y+'<\/td><td>'+fmt(r.dep)+'<\/td><td class=\"tn\">'+fmt(r.nom)+'<\/td><td class=\"tr\">'+fmt(r.real)+'<\/td><td class=\"tn\">'+fmt(g)+'<\/td><\/tr>';\n    });\n\n    \/* Entnahmeplan *\/\n    var emr=Math.pow(1+er\/100,1\/12)-1, emo=ed*12, mtl;\n    if(ew>0){ mtl=ew; }\n    else { mtl = emr===0 ? fn\/emo : fn*emr\/(1-Math.pow(1+emr,-emo)); }\n    mtl=Math.round(mtl);\n\n    var eb=fn, tot=0, ersch=false;\n    eD=[{y:0,nom:fn,real:fn\/Math.pow(1+ii\/100,iy),ent:0}];\n    for(var em=1;em<=emo;em++){\n      eb=eb*(1+emr)-mtl; tot+=mtl;\n      if(eb<=0&&!ersch) ersch=true;\n      if(em%12===0){\n        var ey=em\/12, ety=iy+ey;\n        var erl=Math.max(0,eb)\/Math.pow(1+ii\/100,ety);\n        eD.push({y:ey,nom:Math.max(0,Math.round(eb)),real:Math.round(erl),ent:mtl});\n      }\n    }\n\n    document.getElementById('m360_e1').textContent=fmt(mtl)+'\/Monat';\n    document.getElementById('m360_e2').textContent=ed+' Jahre';\n    document.getElementById('m360_e3').textContent=fmt(Math.round(tot));\n\n    var w=document.getElementById('m360_warn');\n    if(ersch){ w.style.display='block'; w.textContent='Achtung: Das Kapital wird bei dieser Entnahme vor Ablauf der '+ed+' Jahre aufgebraucht!'; }\n    else { w.style.display='none'; }\n\n    var te=document.getElementById('m360_te'); te.innerHTML='';\n    eD.forEach(function(r){\n      if(r.y===0) return;\n      te.innerHTML+='<tr><td>'+r.y+'<\/td><td class=\"te\">'+fmt(r.ent)+'<\/td><td>'+fmt(r.ent*12)+'<\/td><td class=\"tn\">'+fmt(r.nom)+'<\/td><td class=\"tr\">'+fmt(r.real)+'<\/td><\/tr>';\n    });\n\n    document.getElementById('m360_res').style.display='block';\n\n    loadScript('https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/4.4.0\/chart.umd.min.js', function(){\n      drawS(ii); drawE(ii,iy);\n      setTimeout(function(){ document.getElementById('m360_res').scrollIntoView({behavior:'smooth',block:'start'}); },120);\n    });\n  };\n\n  var CO={\n    responsive:true, maintainAspectRatio:true,\n    interaction:{mode:'index',intersect:false},\n    plugins:{\n      legend:{display:true,position:'top',align:'end',labels:{color:'#8ba3c9',boxWidth:9,padding:12,font:{size:11}}},\n      tooltip:{\n        backgroundColor:'#1a3560',titleColor:'#f0f4ff',bodyColor:'#8ba3c9',\n        borderColor:'rgba(255,255,255,.15)',borderWidth:1,padding:10,\n        callbacks:{label:function(c){return ' '+c.dataset.label+': '+Math.round(c.raw).toLocaleString('de-DE')+' EUR';}}\n      }\n    },\n    scales:{\n      x:{ticks:{color:'#8ba3c9',font:{size:10},maxTicksLimit:12},grid:{color:'rgba(255,255,255,.05)'}},\n      y:{ticks:{color:'#8ba3c9',font:{size:10},callback:function(v){return(v>=1e6?(v\/1e6).toFixed(1)+'M':v>=1e3?Math.round(v\/1e3)+'k':v)+' EUR';}},grid:{color:'rgba(255,255,255,.05)'}}\n    }\n  };\n\n  function drawS(inf){\n    if(cS) cS.destroy();\n    var ctx=document.getElementById('m360_cs').getContext('2d');\n    cS=new Chart(ctx,{type:'line',data:{\n      labels:sD.map(function(d){return 'J.'+d.y;}),\n      datasets:[\n        {label:'Nominal',data:sD.map(function(d){return d.nom;}),borderColor:'#5cc484',backgroundColor:'rgba(92,196,132,.07)',fill:true,borderWidth:2.5,pointRadius:0,tension:0.4},\n        {label:'Real ('+inf+'% Infl.)',data:sD.map(function(d){return d.real;}),borderColor:'#f59e0b',backgroundColor:'rgba(245,158,11,.05)',fill:true,borderWidth:2,pointRadius:0,tension:0.4},\n        {label:'Einzahlungen',data:sD.map(function(d){return d.dep;}),borderColor:'#6aadff',backgroundColor:'transparent',borderDash:[5,4],fill:false,borderWidth:1.5,pointRadius:0,tension:0.3}\n      ]\n    },options:JSON.parse(JSON.stringify(CO))});\n  }\n\n  function drawE(inf,yo){\n    if(cE) cE.destroy();\n    var ctx=document.getElementById('m360_ce').getContext('2d');\n    cE=new Chart(ctx,{type:'line',data:{\n      labels:eD.map(function(d){return 'J.'+d.y;}),\n      datasets:[\n        {label:'Restkapital nominal',data:eD.map(function(d){return d.nom;}),borderColor:'#6aadff',backgroundColor:'rgba(106,173,255,.08)',fill:true,borderWidth:2.5,pointRadius:0,tension:0.4},\n        {label:'Restkapital real',data:eD.map(function(d){return d.real;}),borderColor:'#f59e0b',backgroundColor:'rgba(245,158,11,.05)',fill:true,borderWidth:2,pointRadius:0,tension:0.4}\n      ]\n    },options:JSON.parse(JSON.stringify(CO))});\n  }\n\n  window.m360dlPDF=function(){\n    if(!sD.length) return;\n    loadjsPDF(function(){\n      var jsPDF=window.jspdf.jsPDF;\n      var doc=new jsPDF();\n      var s=sD[sD.length-1];\n      doc.setFontSize(16); doc.text('ETF-Sparplan Rechner',20,20);\n      doc.setFontSize(9); doc.setTextColor(100,100,100);\n      doc.text('manuel360finanz.de - '+new Date().toLocaleDateString('de-DE'),20,28);\n      doc.setTextColor(30,30,30); doc.setFontSize(12); doc.text('Sparphase',20,40);\n      doc.setFontSize(9); doc.setTextColor(60,60,60);\n      doc.text('Endkapital nominal: '+Math.round(s.nom).toLocaleString('de-DE')+' EUR',20,50);\n      doc.text('Endkapital real:    '+Math.round(s.real).toLocaleString('de-DE')+' EUR',20,58);\n      doc.text('Einzahlungen:       '+Math.round(s.dep).toLocaleString('de-DE')+' EUR',20,66);\n      doc.text('Kursgewinne:        '+Math.round(s.nom-s.dep).toLocaleString('de-DE')+' EUR',20,74);\n      if(eD.length>1){\n        doc.setFontSize(12); doc.setTextColor(30,30,30); doc.text('Entnahmeplan',20,88);\n        doc.setFontSize(9); doc.setTextColor(60,60,60);\n        doc.text('Monatliche Entnahme: '+Math.round(eD[1].ent).toLocaleString('de-DE')+' EUR',20,98);\n        doc.text('Entnahmedauer:       '+document.getElementById('m360_ed').value+' Jahre',20,106);\n      }\n      if(cS){ doc.addPage(); doc.setFontSize(12); doc.setTextColor(30,30,30); doc.text('Sparphase Chart',20,20); doc.addImage(cS.toBase64Image(),'PNG',15,28,180,90); }\n      if(cE){ doc.addPage(); doc.setFontSize(12); doc.setTextColor(30,30,30); doc.text('Entnahmeplan Chart',20,20); doc.addImage(cE.toBase64Image(),'PNG',15,28,180,90); }\n      var y=55; doc.addPage(); doc.setFontSize(10); doc.setTextColor(30,30,30); doc.text('Jahresuebersicht',20,20);\n      doc.setFontSize(7); doc.setTextColor(60,60,60);\n      sD.forEach(function(r){\n        if(y>275){doc.addPage();y=20;}\n        doc.text('J.'+r.y+' | '+Math.round(r.dep).toLocaleString('de-DE')+' | '+Math.round(r.nom).toLocaleString('de-DE')+' | '+Math.round(r.real).toLocaleString('de-DE'),20,y); y+=6;\n      });\n      doc.save('ETF_Sparplan_Entnahmeplan.pdf');\n    });\n  };\n\n  \/* Beim Laden direkt berechnen *\/\n  if(document.readyState==='loading'){\n    document.addEventListener('DOMContentLoaded', window.m360calc);\n  } else {\n    window.m360calc();\n  }\n})();\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":true,"_monsterinsights_sitenote_note":"Published: ETF-Sparplan Rechner 2026: Mit 250 \u20ac monatlich 340.000 \u20ac reale Rente aufbauen (Inflation ber\u00fccksichtigt)","_monsterinsights_sitenote_category":11,"footnotes":""},"categories":[14],"tags":[1367,1372,1364,1363,1368,1369,1371,1365,1370,1366],"class_list":["post-1693","post","type-post","status-publish","format-standard","hentry","category-aktien-etf","tag-altersvorsorge-mit-etf","tag-etf-gegen-inflation","tag-etf-rechner-mit-inflation","tag-etf-sparplan-altersvorsorge","tag-etf-sparplan-inflation","tag-etf-sparplan-rechner","tag-interaktiver-etf-rechner","tag-private-altersvorsorge-etf","tag-vermoegen-aufbauen-etf","tag-zinseszins-altersvorsorge"],"aioseo_notices":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false,"m360ps-logo":false},"uagb_author_info":{"display_name":"Manuel Grotz","author_link":"https:\/\/manuel360finanz.de\/de\/author\/grmu\/"},"uagb_comment_info":0,"uagb_excerpt":null,"_links":{"self":[{"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/posts\/1693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/comments?post=1693"}],"version-history":[{"count":8,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/posts\/1693\/revisions"}],"predecessor-version":[{"id":1712,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/posts\/1693\/revisions\/1712"}],"wp:attachment":[{"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/media?parent=1693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/categories?post=1693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manuel360finanz.de\/de\/wp-json\/wp\/v2\/tags?post=1693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}