{"id":7756,"date":"2026-08-31T13:16:57","date_gmt":"2026-08-31T11:16:57","guid":{"rendered":"https:\/\/clanq.ch\/?p=7756"},"modified":"2026-08-31T21:45:58","modified_gmt":"2026-08-31T19:45:58","slug":"calculation-example","status":"publish","type":"post","link":"https:\/\/clanq.ch\/en\/calculation-example\/","title":{"rendered":"How much money should you save for your child?"},"content":{"rendered":"

How much Swiss families can set aside is, of course, a very individual matter depending on their budget. But let\u2019s be honest: don\u2019t we all like to compare ourselves to others from time to time? We think so!<\/span><\/p>\n

That\u2019s why we\u2019re showing you a few average figures and sample calculations here. Spoiler: even small amounts add up over a long period of time!<\/span><\/p>\n

How much others are saving<\/span><\/h2>\n

How much families can put aside depends heavily on their income and day-to-day expenses. According to <\/span>figures from the Federal Statistical Office (FSO)<\/span><\/a>, the median disposable income for Swiss households is 4\u2019332\u00a0CHF per month. After rent, health insurance and weekly shopping, that figure is significantly lower. Taking <\/span>household income and expenditure<\/span><\/a> into account, we estimate that families have around<\/span> CHF 220 <\/b>left in their account at <\/span>the end of the month<\/b>.<\/span><\/p>\n

That is the amount that theoretically remains \u2013 but we all know how quickly unplanned expenses crop up in everyday life with children. Yet savings, pensions and other financial goals are important to Swiss families. <\/span>Our survey on saving<\/span><\/a> showed that<\/span> 68% of parents set money aside for their children<\/b>.<\/span><\/p>\n

Our recommendation: Save at least CHF 35 per month<\/span><\/h2>\n

\u00abI don\u2019t have enough left over to save.\u00bb Even if most parents probably don\u2019t have 220 CHF left over each month, the important thing is to save for the future at all.<\/span><\/p>\n

Here at Clanq, we recommend that parents set aside at least a small fixed monthly amount to save for their child. This could be 35 CHF, or a little more or less \u2013 the important thing is to start as early as possible. After all, saving small amounts regularly is not only extremely sensible, but also easier to manage than saving large sums all at once.<\/span><\/p>\n

Recommended savings rate for families<\/b><\/p>\n\n\n\n\n<\/colgroup>\n\n\n\n\n
<\/td>\n1 parent<\/strong><\/td>\nBoth parents together<\/strong><\/td>\n<\/tr>\n
Per month<\/td>\n35 CHF<\/td>\n70 CHF<\/td>\n<\/tr>\n
Per year<\/td>\n420 CHF<\/td>\n840 CHF<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

That would certainly be a good start!<\/span><\/p>\n

Save 10 CHF when you pay with Clanq<\/span><\/h2>\n

Imagine that every time you go shopping or order something online, you put 1% of the amount you\u2019ve just paid into a piggy bank. And imagine that this money doesn\u2019t come out of your own wallet, but from Clanq!<\/span><\/p>\n

With the Clanq Premium Cashback programme, you get money back on every purchase \u2013 straight into your child\u2019s digital piggy bank, completely automatically. All you have to do is pay with your Clanq card.<\/span><\/p>\n

With <\/span>average monthly spending of around 1\u2019000 CHF<\/span><\/a> on groceries, household goods and everyday essentials, that\u2019s 10 CHF per month per household.<\/span><\/p>\n

Save a further 8 CHF with extra cashback<\/span><\/h2>\n

When you shop with our cashback partners, Clanq gives you extra cashback into the piggy bank. Our partners cover many areas relevant to families, such as (children\u2019s) clothing, toys, family outings, personal care products and health.\u00a0<\/span><\/p>\n

The amount of partner cashback varies from<\/span> 1% to 25%. <\/b>Across all partners, the average is around<\/span> 8%<\/b>. Let\u2019s say you spend<\/span> 100 CHF <\/b>in a month with our cashback partners (e.g. kkiosk, Online-apotheke.ch, LetsFamily, fit-und-warm.ch, TCS and many more); you can expect roughly<\/span> 8 CHF <\/b>per month in additional cashback.<\/span><\/p>\n

Here you\u2019ll find an <\/span>overview of all Clanq partners offering extra cashback<\/span><\/a>.<\/span><\/p>\n

The family clan as a multiplier<\/span><\/h2>\n

Our tip: <\/b>Get your family to join in and save together to earn even more cashback. For every additional person who pays for their purchases with Clanq, you can add the same cashback amount again.<\/span><\/p>\n

After all, grandparents, aunts, uncles, godmothers or godfathers can also support your child financially. In Switzerland, this form of support is very common. Of course, it varies from family to family as to whether anyone else is willing or able to help save.<\/span><\/p>\n

Many people need or want a credit card anyway. Clanq\u2019s <\/span>\u00abcard with heart\u00bb <\/b>works just like any other credit card, except that with every purchase, cashback goes into your child\u2019s digital piggy bank.<\/span><\/p>\n

This way, for every family member who contributes via credit card, you can add a tidy sum to the piggy bank \u2013 depending on how much that person spends.<\/span><\/p>\n

Saving as a family \u2013 here\u2019s how<\/span><\/a><\/p>\n

Small amounts add up<\/span><\/h2>\n

Are you sure you don\u2019t have \u00abenough\u00bb left over to save? Lots of small contributions add up to a considerable sum. And the cashback doesn\u2019t even come out of your own budget.<\/span><\/p>\n

Example of a savings rate<\/b><\/p>\n

Hypothetical scenario: Both parents set aside 35 CHF per month from their own money. Another person contributes via their cashback.<\/span><\/p>\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n
<\/td>\nPer month<\/strong><\/td>\nPer year<\/strong><\/td>\n<\/tr>\n
Your savings rate<\/td>\n35 CHF<\/td>\n420 CHF<\/td>\n<\/tr>\n
Savings rate of second parent<\/td>\n35 CHF<\/td>\n420 CHF<\/td>\n<\/tr>\n
Your cashback<\/td>\n10 CHF<\/td>\n120 CHF<\/td>\n<\/tr>\n
Your extra cashback<\/td>\n8 CHF<\/td>\n96 CHF<\/td>\n<\/tr>\n
Cashback from another clan member<\/td>\n18 CHF<\/td>\n216 CHF<\/td>\n<\/tr>\n
Total<\/strong><\/td>\n106 CHF<\/strong><\/td>\n1\u2019272 CHF<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

If you start early, you\u2019ll benefit from interest and compound interest<\/span><\/h2>\n

Our strong recommendation: Start saving early with small amounts. Over a long period, for example 18 years, you\u2019ll accumulate more than you might think!<\/span><\/p>\n

Bear in mind: part of your savings will be eroded by inflation. So, don\u2019t hide cash away \u2013 make sure you put it into an account where you earn interest. With Clanq, you currently earn 0.25% interest p.a. on your savings account (up to 100\u2019000 CHF). Using the 1\u2019272 CHF from our example above, that would amount to:<\/span><\/p>\n

    \n
  • Annual deposit: <\/b>1\u2019272 CHF<\/span><\/li>\n
  • Total deposits (after 18 years): <\/b>22\u2019896 CHF<\/span><\/li>\n
  • Interest earned (compound interest): <\/b>~525 CHF<\/span><\/li>\n
  • Final balance: ~ 23\u2019421 CHF<\/b><\/li>\n<\/ul>\n

    Next level: Thinking about investments<\/span><\/h2>\n

    For 81% of parents surveyed, their savings remain in a savings account. But if you want your money to grow in the long term, rather than just keeping pace with inflation, there\u2019s no getting round the need to invest.<\/span><\/p>\n

    The good news is that it\u2019s not that complicated, and there are certainly family-friendly financial products available with relatively manageable risk.<\/span><\/p>\n

    With the Corn\u00e8r fund savings plan in Clanq, you can invest wisely in your child\u2019s future. For our example, we\u2019ll assume a long-term return of 5% per year \u2013 which is entirely realistic given normal market conditions. By way of comparison: historically, shares worldwide have actually achieved an average return of just under 7% per year.<\/span><\/p>\n

    So if you invest <\/span>100 CHF<\/b> a month (which you can easily cover with cashback, as the example above shows), after 18 years you will have paid in a total of <\/span>21\u2019600 CHF <\/b>out of your own pocket. Thanks to compound interest, however, the final result looks like this:<\/span><\/p>\n

      \n
    • Capital paid in:<\/b> 21\u2019600 CHF<\/span><\/li>\n
    • Interest earned (5 per cent annual return): <\/b>~13\u2019320 CHF<\/span><\/li>\n
    • Final balance after 18 years: ~ 34\u2019920 CHF<\/b><\/li>\n<\/ul>\n

      The effect of compound interest<\/b><\/p>\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n
      Period<\/strong><\/td>\nDeposited<\/strong><\/td>\nAccount balance (including 5% return)<\/strong><\/td>\n<\/tr>\n
      After 5 years<\/td>\n6\u2019000 CHF<\/td>\n~6\u2019830 CHF<\/td>\n<\/tr>\n
      After 10 years<\/td>\n12\u2019000 CHF<\/td>\n~15\u2019530 CHF<\/td>\n<\/tr>\n
      After 18 years<\/td>\n21\u2019600 CHF<\/td>\n~34\u2019920 CHF<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

       <\/p>\n

      Conclusion: Saving and investing pays off<\/span><\/h2>\n

      Security should be the top priority when investing money for your child. The interest rates on a traditional savings account are the safest option, whereas investments allow you to get more out of your money.<\/span><\/p>\n

      We generally recommend safeguarding your child\u2019s financial future with broadly diversified investments. Fund investments are also suitable for families on a limited budget. Invested wisely and over the long term, even just a few francs a month can make a big difference to your child\u2019s future.<\/span><\/p>\n

      Of course, everyday family life is stressful and time is in short supply \u2013 nobody wants to spend hours mulling over finances. The good news is: with Clanq, you don\u2019t have to. You set up the Corn\u00e8r Accumulation Fonds just once, and it\u2019s really straightforward. After that, everything runs completely automatically in the background. With this minimal effort, you stand to build up a starting capital of around 35\u2019000 CHF for your child. So, once you\u2019ve set it up, your provision for the future pays for itself \u2013 with complete peace of mind!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Example calculation: From 35 CHF to 35\u2019000 CHF in 18 years<\/p>\n","protected":false},"author":2,"featured_media":7791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-7756","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-knowledge"],"acf":[],"yoast_head":"\nHow to grow your child\u2019s money the right way | Clanq<\/title>\n<meta name=\"description\" content=\"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/clanq.ch\/en\/calculation-example\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to grow your child\u2019s money the right way | Clanq\" \/>\n<meta property=\"og:description\" content=\"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/clanq.ch\/en\/calculation-example\/\" \/>\n<meta property=\"og:site_name\" content=\"Clanq\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ClanqCorner\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-31T11:16:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-31T19:45:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/Gemini_Generated_Image_v7m38qv7m38qv7m3-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1561\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Christina Hammer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Christina Hammer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/\"},\"author\":{\"name\":\"Christina Hammer\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#\\\/schema\\\/person\\\/2b8685a0cb73b66333313eef32cbb34e\"},\"headline\":\"How much money should you save for your child?\",\"datePublished\":\"2026-08-31T11:16:57+00:00\",\"dateModified\":\"2026-08-31T19:45:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/\"},\"wordCount\":1289,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/clanq-geld-sparen-kind-rechner-scaled.jpeg\",\"articleSection\":[\"Financial knowledge\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/\",\"name\":\"How to grow your child\u2019s money the right way | Clanq\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/clanq-geld-sparen-kind-rechner-scaled.jpeg\",\"datePublished\":\"2026-08-31T11:16:57+00:00\",\"dateModified\":\"2026-08-31T19:45:58+00:00\",\"description\":\"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#primaryimage\",\"url\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/clanq-geld-sparen-kind-rechner-scaled.jpeg\",\"contentUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/clanq-geld-sparen-kind-rechner-scaled.jpeg\",\"width\":2560,\"height\":1561,\"caption\":\"Zwei H\u00e4nde bedienen einen Taschenrechner neben einer Clanq Debitkarte zur Berechnung von Ersparnissen f\u00fcrs Kind\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/calculation-example\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How much money should you save for your child?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\",\"name\":\"Clanq\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/clanq.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#organization\",\"name\":\"Clanq\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/LinkedIn-Profil-Logo.png\",\"contentUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/LinkedIn-Profil-Logo.png\",\"width\":800,\"height\":800,\"caption\":\"Clanq\"},\"image\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/ClanqCorner\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/clanq\\\/\",\"https:\\\/\\\/www.instagram.com\\\/clanq_schweiz\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/#\\\/schema\\\/person\\\/2b8685a0cb73b66333313eef32cbb34e\",\"name\":\"Christina Hammer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"caption\":\"Christina Hammer\"},\"description\":\"With over 30 years of experience in the financial sector, Christina knows exactly what's what. She is happy to pass on her knowledge - as a lecturer, in interviews and on Clanq's own blog.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/christinahammerdewall\\\/\"],\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/author\\\/christina_hammer\\\/\"},{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/#organization\",\"name\":\"Clanq\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\"},{\"@type\":\"MobileApplication\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/#mobileapp\",\"name\":\"Clanq\",\"description\":\"All banking services in the Clanq Switzerland app are provided by our partner bank, Corn\u00e8r Bank SA.\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\",\"inLanguage\":\"en-US\",\"applicationCategory\":\"FinanceApplication\",\"operatingSystem\":[\"iOS\",\"Android\"],\"isAccessibleForFree\":true,\"publisher\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/#organization\"},\"offers\":[{\"@type\":\"Offer\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/costs\",\"price\":\"0\",\"priceCurrency\":\"CHF\",\"availability\":\"https:\\\/\\\/schema.org\\\/InStock\"}],\"downloadUrl\":[\"https:\\\/\\\/apps.apple.com\\\/ch\\\/app\\\/clanq-by-corn%C3%A8r\\\/id6444943067\",\"https:\\\/\\\/play.google.com\\\/store\\\/apps\\\/details?id=ch.corner.clanq.app\"],\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/clanq\",\"https:\\\/\\\/www.instagram.com\\\/clanq_schweiz\",\"https:\\\/\\\/www.facebook.com\\\/ClanqCorner\"]},{\"@type\":\"FinancialProduct\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/#financialproduct\",\"name\":\"Clanq Account\",\"description\":\"All banking services in the Clanq Switzerland app are provided by our partner bank, Corn\u00e8r Bank SA.\",\"brand\":{\"@type\":\"Brand\",\"name\":\"Clanq\"},\"provider\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/#organization\"},\"offers\":[{\"@type\":\"Offer\",\"url\":\"https:\\\/\\\/clanq.ch\\\/en\\\/\\\/costs\",\"price\":\"0\",\"priceCurrency\":\"CHF\",\"availability\":\"https:\\\/\\\/schema.org\\\/InStock\"}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to grow your child\u2019s money the right way | Clanq","description":"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/clanq.ch\/en\/calculation-example\/","og_locale":"en_US","og_type":"article","og_title":"How to grow your child\u2019s money the right way | Clanq","og_description":"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!","og_url":"https:\/\/clanq.ch\/en\/calculation-example\/","og_site_name":"Clanq","article_publisher":"https:\/\/www.facebook.com\/ClanqCorner","article_published_time":"2026-08-31T11:16:57+00:00","article_modified_time":"2026-08-31T19:45:58+00:00","og_image":[{"width":2560,"height":1561,"url":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/Gemini_Generated_Image_v7m38qv7m38qv7m3-scaled.jpeg","type":"image\/jpeg"}],"author":"Christina Hammer","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Christina Hammer","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/clanq.ch\/en\/calculation-example\/#article","isPartOf":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/"},"author":{"name":"Christina Hammer","@id":"https:\/\/clanq.ch\/en\/#\/schema\/person\/2b8685a0cb73b66333313eef32cbb34e"},"headline":"How much money should you save for your child?","datePublished":"2026-08-31T11:16:57+00:00","dateModified":"2026-08-31T19:45:58+00:00","mainEntityOfPage":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/"},"wordCount":1289,"commentCount":0,"publisher":{"@id":"https:\/\/clanq.ch\/en\/#organization"},"image":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/#primaryimage"},"thumbnailUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/clanq-geld-sparen-kind-rechner-scaled.jpeg","articleSection":["Financial knowledge"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/clanq.ch\/en\/calculation-example\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/clanq.ch\/en\/calculation-example\/","url":"https:\/\/clanq.ch\/en\/calculation-example\/","name":"How to grow your child\u2019s money the right way | Clanq","isPartOf":{"@id":"https:\/\/clanq.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/#primaryimage"},"image":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/#primaryimage"},"thumbnailUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/clanq-geld-sparen-kind-rechner-scaled.jpeg","datePublished":"2026-08-31T11:16:57+00:00","dateModified":"2026-08-31T19:45:58+00:00","description":"Small amounts, big impact: see from the example how the power of compound interest makes your child\u2019s savings goals a reality. Read on!","breadcrumb":{"@id":"https:\/\/clanq.ch\/en\/calculation-example\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/clanq.ch\/en\/calculation-example\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/clanq.ch\/en\/calculation-example\/#primaryimage","url":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/clanq-geld-sparen-kind-rechner-scaled.jpeg","contentUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/08\/clanq-geld-sparen-kind-rechner-scaled.jpeg","width":2560,"height":1561,"caption":"Zwei H\u00e4nde bedienen einen Taschenrechner neben einer Clanq Debitkarte zur Berechnung von Ersparnissen f\u00fcrs Kind"},{"@type":"BreadcrumbList","@id":"https:\/\/clanq.ch\/en\/calculation-example\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/clanq.ch\/en\/"},{"@type":"ListItem","position":2,"name":"How much money should you save for your child?"}]},{"@type":"WebSite","@id":"https:\/\/clanq.ch\/en\/#website","url":"https:\/\/clanq.ch\/en\/","name":"Clanq","description":"","publisher":{"@id":"https:\/\/clanq.ch\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/clanq.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/clanq.ch\/en\/#organization","name":"Clanq","url":"https:\/\/clanq.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/clanq.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/06\/LinkedIn-Profil-Logo.png","contentUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2026\/06\/LinkedIn-Profil-Logo.png","width":800,"height":800,"caption":"Clanq"},"image":{"@id":"https:\/\/clanq.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ClanqCorner","https:\/\/www.linkedin.com\/company\/clanq\/","https:\/\/www.instagram.com\/clanq_schweiz\/"]},{"@type":"Person","@id":"https:\/\/clanq.ch\/en\/#\/schema\/person\/2b8685a0cb73b66333313eef32cbb34e","name":"Christina Hammer","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","caption":"Christina Hammer"},"description":"With over 30 years of experience in the financial sector, Christina knows exactly what's what. She is happy to pass on her knowledge - as a lecturer, in interviews and on Clanq's own blog.","sameAs":["https:\/\/www.linkedin.com\/in\/christinahammerdewall\/"],"url":"https:\/\/clanq.ch\/en\/author\/christina_hammer\/"},{"@context":"https:\/\/schema.org","@type":"Organization","@id":"https:\/\/clanq.ch\/en\/\/#organization","name":"Clanq","url":"https:\/\/clanq.ch\/en\/"},{"@type":"MobileApplication","@id":"https:\/\/clanq.ch\/en\/\/#mobileapp","name":"Clanq","description":"All banking services in the Clanq Switzerland app are provided by our partner bank, Corn\u00e8r Bank SA.","url":"https:\/\/clanq.ch\/en\/","inLanguage":"en-US","applicationCategory":"FinanceApplication","operatingSystem":["iOS","Android"],"isAccessibleForFree":true,"publisher":{"@id":"https:\/\/clanq.ch\/en\/\/#organization"},"offers":[{"@type":"Offer","url":"https:\/\/clanq.ch\/en\/\/costs","price":"0","priceCurrency":"CHF","availability":"https:\/\/schema.org\/InStock"}],"downloadUrl":["https:\/\/apps.apple.com\/ch\/app\/clanq-by-corn%C3%A8r\/id6444943067","https:\/\/play.google.com\/store\/apps\/details?id=ch.corner.clanq.app"],"sameAs":["https:\/\/www.linkedin.com\/company\/clanq","https:\/\/www.instagram.com\/clanq_schweiz","https:\/\/www.facebook.com\/ClanqCorner"]},{"@type":"FinancialProduct","@id":"https:\/\/clanq.ch\/en\/\/#financialproduct","name":"Clanq Account","description":"All banking services in the Clanq Switzerland app are provided by our partner bank, Corn\u00e8r Bank SA.","brand":{"@type":"Brand","name":"Clanq"},"provider":{"@id":"https:\/\/clanq.ch\/en\/\/#organization"},"offers":[{"@type":"Offer","url":"https:\/\/clanq.ch\/en\/\/costs","price":"0","priceCurrency":"CHF","availability":"https:\/\/schema.org\/InStock"}]}]}},"_links":{"self":[{"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/posts\/7756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/comments?post=7756"}],"version-history":[{"count":6,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/posts\/7756\/revisions"}],"predecessor-version":[{"id":7788,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/posts\/7756\/revisions\/7788"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/media\/7791"}],"wp:attachment":[{"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/media?parent=7756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/categories?post=7756"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clanq.ch\/en\/wp-json\/wp\/v2\/tags?post=7756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}