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FINANCEVELIX / Investment calculators

Savings goal planner

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Work backward from a future savings target to a monthly contribution, with a year-by-year path based on your assumptions.

08 / Savings goal planner◉ Local calculation± Your assumptions

Savings goal planner

Use the same currency for every price, fee and amount. Changing this label does not convert values.

Use plain numbers with a decimal point and up to 8 decimal places. Initial and target amounts are capped at 1,000,000,000. Use whole years from 1 to 50 and a nominal annual rate from −99% to 100%.

FINANCEVELIX / Your calculation

Required monthly contribution

Enter your assumptions, then select Calculate.

Compare savings plans 0 / 3

Save up to 3 plans in this browser only. Nothing is sent to the server. Other users of this browser can see them; clearing site data removes them. Loading a plan replaces current inputs.

Calculate first, then save plans to compare.

FINANCEVELIX / SAVINGS GOALS

How much do I need to save each month?

P: Initial amount · T: Target ending amount · R: Assumed annual rate (%) · Y: Years · M: Required monthly contribution · F: Scenario ending balance ·

Set a target in future money, then subtract the future value of your initial amount. The remaining gap is funded by equal contributions at the end of every month. Each contribution starts earning growth in the following month.

r = R / 1200; n = 12 × Y; A = n (r = 0), ((1 + r)^n − 1) / r (r ≠ 0); M = max(0, (T − P × (1 + r)^n) / A); F = P × (1 + r)^n + M × A.

The monthly contribution is rounded upward to 8 decimal places. The displayed schedule uses that contribution; displayed balances are rounded, while the solver uses exact rational arithmetic.

This is a constant-rate planning scenario. It excludes fees, taxes, inflation, withdrawals and changing returns. The annual rate is nominal, not an effective annual yield. The target is tested at the end of the period, not at every earlier date.

A negative assumed rate erodes the balance. Contributions may still be needed even when today's initial amount equals or exceeds the target.

Example: a target of 12,000 over one year, starting with zero and assuming 0% growth, requires 1,000 at each month end. This is a fixed illustration, not market data.

This calculation does not guarantee an actual return or future outcome. Revisit the assumptions as your situation changes. No transactions are made.

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