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Savings Goal Calculator

Work out how long it takes to reach a savings target, and what to save monthly.

To plan a savings goal, enter your target, what you have already saved, your monthly contribution and the expected return. The calculator steps month by month to find when you reach the goal, and also shows what monthly amount would get you there in five years.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Should I save monthly or invest a lump sum?

Mathematically a lump sum wins about two thirds of the time, because money invested earlier compounds longer. Regular saving wins on behaviour — it is consistent, and it removes the decision about when to buy.

How to use the savings goal calculator

  1. 1Set the savings goal.
  2. 2Set the already saved.
  3. 3Set the monthly contribution.
  4. 4Set the annual return.
  5. 5The result appears immediately — copy or download it.

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Put the working savings goal calculator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

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