Work out what regular investing could become โ with the Lithuanian 15% investment account tax, platform fees and inflation all accounted for. Most calculators show you a big nominal number and stop there. This one shows what it's actually worth.
Your plan
Advanced โ fees, inflation, tax, contribution increases
| Year | Contributed | Value | Growth |
|---|---|---|---|
| 1 | โฌ3,400 | โฌ3,542 | โฌ142 |
| 2 | โฌ5,800 | โฌ6,256 | โฌ456 |
| 3 | โฌ8,200 | โฌ9,154 | โฌ954 |
| 4 | โฌ10,600 | โฌ12,249 | โฌ1,649 |
| 5 | โฌ13,000 | โฌ15,554 | โฌ2,554 |
| 6 | โฌ15,400 | โฌ19,083 | โฌ3,683 |
| 7 | โฌ17,800 | โฌ22,852 | โฌ5,052 |
| 8 | โฌ20,200 | โฌ26,877 | โฌ6,677 |
| 9 | โฌ22,600 | โฌ31,175 | โฌ8,575 |
| 10 | โฌ25,000 | โฌ35,764 | โฌ10,764 |
| 11 | โฌ27,400 | โฌ40,665 | โฌ13,265 |
| 12 | โฌ29,800 | โฌ45,898 | โฌ16,098 |
| 13 | โฌ32,200 | โฌ51,487 | โฌ19,287 |
| 14 | โฌ34,600 | โฌ57,455 | โฌ22,855 |
| 15 | โฌ37,000 | โฌ63,828 | โฌ26,828 |
| 16 | โฌ39,400 | โฌ70,633 | โฌ31,233 |
| 17 | โฌ41,800 | โฌ77,900 | โฌ36,100 |
| 18 | โฌ44,200 | โฌ85,661 | โฌ41,461 |
| 19 | โฌ46,600 | โฌ93,948 | โฌ47,348 |
| 20 | โฌ49,000 | โฌ102,797 | โฌ53,797 |
Disclaimer. Investing in stocks, ETFs and other financial instruments carries the risk of loss of capital. Past performance is no guarantee of future results. HowToLithuania.com is an informational publisher, not a licensed broker or financial adviser. Some links on this page are affiliate links โ we may earn a commission when you open an account through them, at no additional cost to you.
Look at the two numbers side by side. The "nominal" figure is the number you'd see on a statement. The "today's money" figure accounts for inflation eating into what it actually buys over the years you're invested. Both are true at once. Calculators that only show the big nominal number are flattering you.
Where to Actually Invest
The calculator assumes tax is paid once at withdrawal. That's only true if your account qualifies as a Lithuanian investment account (investicinฤ sฤ skaita). Not every provider supports it โ and one major name doesn't at all.
| Provider | IS regime | Reports to VMI | Admin | Best for |
|---|---|---|---|---|
| Swedbank | โ Full | โ | Low | Simplest declaration |
| SEB | โ Full | โ | Low | Free under 25 |
| Luminor | โ Full | โ | Low | Full local support |
| Interactive Brokers | โ Eligible | โ | You track it | Lowest costs |
| Trading 212 | โ Eligible | โ | You track it | Simple interface |
| XTB | Self-designate | โ | You track it | Flag it yourself |
| Revolut | โ Not available | โ | โ | Not for investing here |
Interactive Brokers
Lowest costs, widest choice
Key features
- Very low fees and unmatched fund range
- Eligible for the investment account regime via EEA entities
Account details
- investment account
- โ Eligible
- VMI reporting
- โ No
- fees
- Very low
- market access
- Global
Summary
- Very low fees and unmatched fund range
- Eligible for the investment account regime via EEA entities
- No VMI reporting โ you track every deposit and withdrawal yourself and complete the declaration manually
SEB
Easiest declaration โ and free if you're under 25
Key features
- Automatic VMI reporting and pre-filled declaration
- Free YOUTH plan for under-25s
Account details
- investment account
- โ Full
- VMI reporting
- โ Yes
- plan per month
- โฌ0โโฌ7
- YOUTH plan, under 25
- โฌ0
Summary
- Automatic VMI reporting and pre-filled declaration
- Free YOUTH plan for under-25s
- Non-resident opening fee of โฌ250 plus โฌ10/month until you have a residence permit
Swedbank
Largest network, full local support
Key features
- Widest branch and ATM network in Lithuania
- Automatic VMI reporting
Account details
- investment account
- โ Full
- VMI reporting
- โ Yes
- plan per month
- โฌ1.00โโฌ4.00
- if salary paid in
- โฌ1.10
Summary
- Widest branch and ATM network in Lithuania
- Automatic VMI reporting
- Still requires residency and an asmens kodas to open on resident terms
Trading 212
Simplest interface for beginners
Key features
- Simple interface, good for beginners
- Fractional shares suit small monthly contributions
Account details
- if EEA account
- โ Eligible
- VMI reporting
- โ No
- fees
- Low
- shares supported
- Fractional
Summary
- Simple interface, good for beginners
- Fractional shares suit small monthly contributions
- No VMI reporting โ you track your own flows
Revolut
Great for banking โ wrong choice for investing here
Key features
- Still a genuinely good first bank account for a new arrival
Account details
- investment account
- โ No
- VMI reporting
- โ No
- as gains are realised
- Taxed
- of the deferral above
- None
Summary
- Still a genuinely good first bank account for a new arrival
- No investment account regime โ no tax deferral
- Gains taxed as realised, not once at withdrawal
The real decision: convenience or cost
Lithuanian banks handle the tax reporting for you โ the declaration is close to automatic, and if you're under 25 SEB costs nothing. Foreign brokers are meaningfully cheaper with far more choice, but you become responsible for tracking every deposit and withdrawal and getting the declaration right. Neither is wrong. Pick the trade you'd rather make, and if you go foreign, start the spreadsheet on day one.
Verified July 2026 against provider price lists and Lithuanian tax guidance. Broker treatment of the IS regime is evolving โ confirm directly before opening. Full detail in our investing guide.
How the Inputs Work
Expected annual return
The single most influential assumption, and the one nobody can know. Long-run global equity averages are often quoted around 7% nominal, but actual outcomes vary enormously and include long periods of loss. Try 4% and 9% to see how wide the range gets โ that spread is the honest picture.
Annual fee
Charged on your whole balance every year, so it compounds against you. Broad index ETFs commonly sit around 0.05โ0.25%; actively managed funds are frequently ten times that. Try switching the default 0.20% fee to 1.5% and watch how much the "Lost to fees" figure changes over 20 years.
Inflation
Doesn't change your balance, changes what it buys. The "today's money" figure is the one to plan around.
Contribution increases
If you raise contributions as your salary grows โ even a few percent a year โ the effect over decades is substantial, because each increase compounds for longer than the last.
Tax on gains
Set to 15%, the Lithuanian rate for an investment account. Crucially, this is applied once at withdrawal, not annually โ which is exactly what the investment account regime allows. See our investing guide for how that works and which brokers support it.
Why the tax timing matters so much
This calculator taxes gains once, at the end. That's only accurate if you're using a Lithuanian investment account (investicinฤ sฤ skaita), where gains compound untaxed until you withdraw. In an ordinary account, realising gains along the way means paying tax as you go and losing the compounding on it. Revolut does not support the investment account regime โ worth knowing before you pick a broker. Full detail โ
What This Calculator Doesn't Do
- Predict returns. It compounds an assumption you supply. Markets don't deliver a steady rate โ they deliver good years and terrible ones in an order nobody can forecast.
- Model sequence risk. Two portfolios with identical average returns can end very differently depending on when the bad years fall. That matters most near withdrawal.
- Account for currency. If you invest outside the euro, exchange rates add another variable.
- Handle partial withdrawals. It assumes you withdraw everything at the end.
- Replace advice. It's arithmetic, not a plan.
Understand the tax side first
The investment account regime is what makes the 'tax once at the end' assumption valid.
Frequently Asked Questions
What return should I assume?
There's no correct answer. Long-run global equity averages are often cited near 7% nominal, but your actual outcome depends on what markets do and when. Run 4% and 9% as well โ the gap between them is the real uncertainty.
Why is the "today's money" figure so much lower?
Because inflation erodes purchasing power. At 2.5% over 20 years, prices roughly rise by 64%. The nominal figure is real money, but it buys less than the same number does today.
Is 15% the right tax rate for me?
It's the Lithuanian rate for investment account gains, applied when you withdraw more than you contributed. Different rules apply outside that regime, and to dividends. See our investing guide.
Does this work for pension contributions?
Not accurately. Pillar II and III pensions have their own contribution rules and tax treatment. Use this for brokerage investing.
What fee should I put in?
Check your fund's ongoing charges figure and add any platform fee. Broad index ETFs are often 0.05โ0.25%. If you don't know, find out โ it compounds.
Should I invest a lump sum or monthly?
Set the initial investment and monthly contribution to compare. Historically lump sums have often come out ahead simply because money is invested for longer, but regular investing suits most people's cash flow and reduces the risk of committing everything at a peak.
Related
Disclaimer. This calculator is for illustration only and is not investment advice. HowToLithuania.com is an informational publisher, not a licensed broker or financial adviser. Investments can fall as well as rise and you may get back less than you invest. Projections are not forecasts. Tax treatment depends on individual circumstances and may change โ confirm your position with VMI or a qualified adviser.
Disclosure. Some links on this page are affiliate links and may earn us a commission at no cost to you. It does not affect what we recommend.