Pension fund vs DIY

Calculate Pension fund vs DIY instantly with the exact formula and a worked example.

Pension fund vs DIY

Contribution per month$

Termyears

Pension fund return after fees%

Own portfolio return after fees%

I get the 13% tax refund on fund contributions (1 = yes)

Self-investing beats the pension fund by

190,217$

Since 2025 the refund is 13% of contributions up to 400,000 $ a year (limit shared with IIS-3 and the long-term savings programme), capped at personal income tax (NDFL) paidTaxes on payouts and income not includedFund and portfolio returns are not guaranteedSimplified model, not investment adviceCalculate Pension fund vs DIY instantly with the exact formula and a worked example.

Pension fund total incl. refund

1 701 811$

Self-invested total

1 892 029$

Tax refund over term

117 000$

Verdict

DIY is better

What it shows

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Formula & example

The calculator computes Self-investing beats the pension fund by ($) from parameters:

Contribution per month ($)
Period (years)
Pension fund return after fees (%)
Own portfolio return after fees (%)
I get the 13% tax refund on fund contributions (1 = yes)

Example 1

Contribution per month = 5,000 $, Period = 15 years, Pension fund return after fees = 7 %, Own portfolio return after fees = 9 %, I get the 13% tax refund on fund contributions (1 = yes) = 1

→ Self-investing beats the pension fund by: 190,217 $

Example 2 (×1.5)

Contribution per month = 7,500 $, Period = 22.5 years, Pension fund return after fees = 10.5 %, Own portfolio return after fees = 13.5 %, I get the 13% tax refund on fund contributions (1 = yes) = 1.5

→ Self-investing beats the pension fund by: 4,587,840 $

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FAQ

How is Pension fund vs DIY calculated?

The Pension fund vs DIY calculator computes Self-investing beats the pension fund by (in $) from contribution per month, period, pension fund return after fees, own portfolio return after fees, i get the 13% tax refund on fund contributions (1 = yes). Enter your values above and the exact formula is applied instantly; a worked example with real numbers is shown below.

Is the Pension fund vs DIY calculator free?

Yes. It is completely free, needs no signup, runs entirely in your browser, and sends no data to any server.

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Pension fund vs DIY