Tools
Understand first, then decide.
What is idle money worth tomorrow?
In 10 years, €10,000 will buy roughly what €8,203 buys today.
You would need about €12,190 to buy the same things.
Monthly saving: a simulation over time
- Paid in€36,000
- Hypothetical value€41,943
Assumptions and limits
- Return and inflation are constant and chosen by you: they are not forecasts.
- Costs, fees, taxes and market fluctuations are not taken into account.
- The results are indicative and help you understand the effect of time, not choose a product.
- They are not a personal recommendation: that requires advice on your own situation.
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Inflation works quietly.
With average inflation of 2% a year, €100,000 left idle in a current account for twenty years ends up with the purchasing power of about €67,000 today.
Calculation: €100,000 ÷ 1.02 to the power of 20
Deposits are protected, up to a limit.
Money in a current account is guaranteed by the Italian Interbank Deposit Protection Fund up to €100,000 per depositor, per bank.
Legislative Decree 30/2016, implementing Directive 2014/49/EU
Your securities don't belong to the bank.
Clients' financial instruments and money form assets separate from the bank's own: the bank's creditors cannot claim them.
Art. 22 of the Italian Consolidated Law on Finance (Legislative Decree 58/1998)
Life insurance follows its own rules in succession.
The sums a life insurance policy pays to its beneficiaries are theirs by their own right: they are not part of the estate and are not subject to inheritance tax. Each contract should still be assessed carefully.
Art. 1920 of the Italian Civil Code; art. 12 of Legislative Decree 346/1990
A pension fund also saves you tax.
Contributions to a supplementary pension scheme are deductible from total income, up to the yearly limit set by law.
Art. 8 of Legislative Decree 252/2005
General information, updated October 2026: it does not replace advice on your own situation.