{"id":69644,"date":"2021-11-15T08:40:52","date_gmt":"2021-11-15T07:40:52","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=69644"},"modified":"2026-04-13T16:02:29","modified_gmt":"2026-04-13T14:02:29","slug":"hur-mycket-och-hur-lange-maste-man-spara","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/hur-mycket-och-hur-lange-maste-man-spara\/","title":{"rendered":"Hur mycket och hur l\u00e4nge m\u00e5ste man spara?"},"content":{"rendered":"\n<p>Hur mycket m\u00e5ste man spara varje m\u00e5nad och under hur l\u00e5ng tid, f\u00f6r att komma upp till sitt eventuella sparm\u00e5l? Jag fick fr\u00e5gan fr\u00e5n mediebyr\u00e5n TT om hur man sparar ihop till en kontantinsats till en bostad och gjorde n\u00e5gra ber\u00e4kningar. Slutsatsen \u00e4r uppenbar; <a href=\"https:\/\/www.nordnet.se\/academy\/vad-ar-ranta-pa-ranta-effekten\" data-type=\"post\" data-id=\"23664\">r\u00e4nta p\u00e5 r\u00e4nta-effekten<\/a> \u00e4r ov\u00e4rderlig.<\/p>\n\n\n\n<p>I TT:s artikel, <a href=\"https:\/\/www.svd.se\/sa-langt-racker-kontantinsatsen\/i\/senaste\/om\/naringsliv\" rel=\"nofollow noopener\">som du hittar h\u00e4r<\/a>, har Swedbank r\u00e4knat p\u00e5 hur l\u00e5ngt en kontantinsats r\u00e4cker i olika delar av landet. Man har tittat p\u00e5 summorna 100 000 kr, 200 000 kr och 300 000 kr. Jag har r\u00e4knat p\u00e5 hur l\u00e5ng tid det tar att spara ihop till dessa summor. Som alltid \u00e4r det spartiden som m\u00e5ste avg\u00f6ra hur och var pengarna ska placeras. Jag har r\u00e4knat p\u00e5 spartiderna 3 och 10 \u00e5r. F\u00f6r tre\u00e5rssparandet har jag r\u00e4knat med en placering p\u00e5 sparkonto med 0,8 procents r\u00e4nta. F\u00f6r sparandet p\u00e5 10 \u00e5r har jag r\u00e4knat med en placering i aktiefonder med en snittavkastning p\u00e5 8 procent per \u00e5r. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hur-mycket-maste-man-spara-varje-manad\">Hur mycket m\u00e5ste man spara varje m\u00e5nad?<\/h2>\n\n\n\n<p><strong>100000 kr<\/strong><\/p>\n\n\n\n<p><em>3 \u00e5r:<\/em><\/p>\n\n\n\n<p>Med bara tre \u00e5rs sparhorisont \u00e4r <a href=\"https:\/\/www.nordnet.se\/tjanster\/konton\/sparkonto\" data-type=\"URL\" data-id=\"https:\/\/www.nordnet.se\/se\/tjanster\/konton\/sparkonto\">sparkonto <\/a>dessv\u00e4rre det alternativ som passar b\u00e4st. Vi hittar ett med 0,8 % r\u00e4nta. F\u00f6r att komma upp i 100000 kr p\u00e5 tre \u00e5r beh\u00f6ver du s\u00e4tta av<strong> 2750 kr i m\u00e5naden<\/strong>.<\/p>\n\n\n\n<p><em>10 \u00e5r:<\/em><\/p>\n\n\n\n<p>Har du tio \u00e5r sparhorisont kan du s\u00e4tta pengarna i aktiefonder och f\u00e5 god hj\u00e4lp av den s\u00e5 kallade r\u00e4nta p\u00e5 r\u00e4nta-effekten. Vi r\u00e4knar med en snittavkastning p\u00e5 8 procent per \u00e5r. F\u00f6r att komma upp i 100000 kr r\u00e4cker det d\u00e5 med att du s\u00e4tter av <strong>570 kronor<\/strong> i m\u00e5naden i 10 \u00e5r.<\/p>\n\n\n\n<p><strong>200000 kr<\/strong><\/p>\n\n\n\n<p><em>3 \u00e5r<\/em><\/p>\n\n\n\n<p>F\u00f6r att hinna komma upp i 200000 kr p\u00e5 bara tre \u00e5r med ett sparande p\u00e5 sparkonto beh\u00f6ver du s\u00e4tta av <strong>5500 kr i m\u00e5naden<\/strong> p\u00e5 sparkontot.<\/p>\n\n\n\n<p><em>10 \u00e5r<\/em><\/p>\n\n\n\n<p>Men kan du s\u00e4tta pengarna i aktiefonder, vilket du kan om du har en l\u00e4ngre sparhorisont, s\u00e5 beh\u00f6ver du bara s\u00e4tta av <strong>1135 kr i m\u00e5naden <\/strong>i 10 \u00e5r.<\/p>\n\n\n\n<p><strong>300000 kr<\/strong><\/p>\n\n\n\n<p><em>3 \u00e5r<\/em><\/p>\n\n\n\n<p>F\u00f6r att komma upp i 300000 p\u00e5 tre \u00e5r p\u00e5 sparkonto beh\u00f6ver du spara hela <strong>8350 kronor i m\u00e5naden<\/strong>.<\/p>\n\n\n\n<p><em>10 \u00e5r<\/em><\/p>\n\n\n\n<p>Men kan du ta hj\u00e4lp av r\u00e4nta p\u00e5 r\u00e4nta-effekten i aktiefonder under en l\u00e4ngre tid beh\u00f6ver du s\u00e4tta av <strong>1700 kr<\/strong> i tio \u00e5r.<\/p>\n\n\n\n<p><strong>Antaganden:<\/strong> Avkastning i aktiefonder med i snitt 8 % per \u00e5r. Vi r\u00e4knar med en fondavgift p\u00e5 0,5 procent. P\u00e5 sparkontot r\u00e4knar vi med en sparr\u00e4nta p\u00e5 0,8 procent. Samtliga summor \u00e4r f\u00f6re skatt.<\/p>\n\n\n\n<p>Slutsatsen \u00e4r uppenbar. P\u00e5 sparkonto f\u00e5r du ingen hj\u00e4lp av r\u00e4nta p\u00e5 r\u00e4nta-effekten samtidigt som du vill n\u00e5 en h\u00f6g summa snabbt, vilket betyder att du sj\u00e4lv m\u00e5ste s\u00e4tta av en mycket stor summa varje m\u00e5nad f\u00f6r att n\u00e5 sparm\u00e5let. Med l\u00e4ngre sparhorisont och hj\u00e4lp av r\u00e4nta p\u00e5 r\u00e4nta-effekt beh\u00f6ver inte beloppen du s\u00e4tter av varje m\u00e5nad vara s\u00e5 stora f\u00f6r att det i slut\u00e4ndan ska bli en h\u00f6g summa, \u00e4ven fast det tar l\u00e4ngre tid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hur-lang-tid-tar-det\">Hur l\u00e5ng tid tar det?<\/h2>\n\n\n\n<p><strong>1000 kr i m\u00e5n p\u00e5 sparkonto<\/strong>:<\/p>\n\n\n\n<p>100000 kr: 8 \u00e5r<\/p>\n\n\n\n<p>200000 kr 16 \u00e5r<\/p>\n\n\n\n<p>300000 kr: 23 \u00e5r<\/p>\n\n\n\n<p>2<strong>000 kr i m\u00e5n p\u00e5 sparkonto<\/strong><\/p>\n\n\n\n<p>100000 kr: ca 4 \u00e5r<\/p>\n\n\n\n<p>200000 kr: ca 8 \u00e5r<\/p>\n\n\n\n<p>300000 kr: ca 12 \u00e5r<\/p>\n\n\n\n<p><strong>1000 kr i m\u00e5n i aktiefondsparande (antaganden enligt ovan):<\/strong><\/p>\n\n\n\n<p>100 000 kr: 6,5 \u00e5r<\/p>\n\n\n\n<p>200000 kr: ca 11 \u00e5r<\/p>\n\n\n\n<p>300000 kr: ca 14 \u00e5r<\/p>\n\n\n\n<p><strong>2000 kr i m\u00e5n i aktiefondsparande:<\/strong><\/p>\n\n\n\n<p>100000 kr: 3,5 \u00e5r<\/p>\n\n\n\n<p>200000 kr: 6,5 \u00e5r<\/p>\n\n\n\n<p>300000 kr: 9 \u00e5r<\/p>\n\n\n\n<p>Slutsats: Om man s\u00e4tter av 1000 kr p\u00e5 sparkonto respektive aktiefonder s\u00e5 \u00e4r det inte s\u00e5 stor skillnad p\u00e5 hur l\u00e5ng tid det tar innan man kommer upp i 100000 kr. Men sen blir skillnaden v\u00e4ldigt stor. Ju l\u00e4ngre du sparar, desto st\u00f6rre blir r\u00e4nta p\u00e5 r\u00e4nta-effekten. Ju st\u00f6rre summa du kan spara varje m\u00e5nad, desto snabbare s\u00e4tts r\u00e4nta p\u00e5 r\u00e4nta-effekten i rullning. R\u00e4nta p\u00e5 r\u00e4nta = avkastning p\u00e5 avkastningen.<\/p>\n\n\n\n<p>Bara man har ett l\u00e5ngsiktigt perspektiv och kan dra nytta av r\u00e4nta p\u00e5 r\u00e4nta-effekten s\u00e5 \u00e4r det l\u00e5ngt ifr\u00e5n om\u00f6jligt att spara ihop till en kontantinsats. Men du beh\u00f6ver ha tiden p\u00e5 din sida. Det \u00e4r ju d\u00e4rf\u00f6r jag och andra sparekonomer tjatar om vikten av att ha ett eget sparande och b\u00f6rja i tid \ud83d\ude42<\/p>\n\n\n\n<p>\/Frida<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hur mycket m\u00e5ste man spara varje m\u00e5nad och under hur l\u00e5ng tid, f\u00f6r att komma upp till sitt eventuella sparm\u00e5l? Jag fick fr\u00e5gan fr\u00e5n mediebyr\u00e5n TT om hur man sparar ihop till en kontantinsats till en bostad och gjorde n\u00e5gra ber\u00e4kningar. Slutsatsen \u00e4r uppenbar; r\u00e4nta p\u00e5 r\u00e4nta-effekten \u00e4r ov\u00e4rderlig. I TT:s artikel, som du hittar [&hellip;]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4053],"tags":[72],"class_list":["post-69644","post","type-post","status-publish","format-standard","hentry","category-privatekonomi","tag-fonder"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida2-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida2-620x222.png 620w, 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