Plan
Net worth today
174,886 €
49,516 € compounds ·
125,370 € (71.7%) carried flat
To save 4,000 €/month personally
Invoice 7,905 €/mo
own pay held at 3,500 €/mo and counted toward it;
only the shortfall comes from profit
Company delivers (trailing 3mo)
3,615 €/mo
2,450 net own pay + 1,165 net profit
What each target needs
Monthly contribution required to reach each target on its own date, against the 3,615 €/mo the company currently delivers. A gap says you are short; this says what would close it, or that nothing reasonable would.
| Target | Amount € | By | Months | Needs €/mo | |
|---|---|---|---|---|---|
| Net worth 2027 | 250,000 | 2027-12-31 | 14 | 5,043 | more than the company currently delivers |
Scenarios
| Scenario | €/mo | 2027 | 2046 | Against targets |
|---|---|---|---|---|
| base 1.500 EUR/month into the index fund. |
1,500 | 199,059 | 866,132 | Net worth 2027: 50,941 short |
| hold No new contributions. Only what is already invested compounds. |
0 | 177,493 | 249,449 | Net worth 2027: 72,507 short |
| stretch 3.000 EUR/month, which needs a bigger invoice. |
3,000 | 220,624 | 1,482,815 | Net worth 2027: 29,376 short |
base hold stretch
71.7% of the balance sheet is carried flat
(125,370 € outside equity and cash).
The scenarios differ only in the equity return, so they stay close together whatever
is assumed. Nothing in the projection widens that gap: it is a question about where
the money sits, not about the model.
Starting capital, read from the latest snapshot
| company | 100,000 € | carried flat |
|---|---|---|
| crypto | 16,066 € | carried flat |
| equity | 44,516 € | compounds |
| private | 9,303 € | carried flat |
| cash | 5,000 € | compounds |
| Total | 174,886 € |
Real returns, so every figure is already in today's EUR. Private and business holdings are carried flat rather than compounded: assuming growth on an unmarked position invents returns nobody has observed. No Monte Carlo.
Income target 90,000 €/year needs 7,500 €/mo personal net, which is 15,432 €/mo of Axis invoicing.