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Savings Goal Calculator

See the monthly saving needed to reach a savings goal on time.

Monthly saving for a goal

Monthly saving needed: —
Total you contribute: —
Interest earned: —
Deposits are assumed at the end of each month, with interest compounded monthly.

How to use the Savings Goal Calculator

  1. Enter the amount you want to save and what you have already.
  2. Add the annual return and the number of years available.
  3. Read the monthly saving needed and the interest earned.

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Frequently Asked Questions

Common questions about the free online savings goal calculator.

Enter your goal, what you have saved already, the return you expect and the years available, and the tool shows the monthly amount needed.
Yes. It assumes a deposit at the end of every month with interest compounded monthly, which matches most regular savings plans.
The total contributed is your starting balance plus every deposit. The rest of the final balance is interest earned on those amounts.
The tool reports that no monthly saving is needed, because your current balance already grows past the goal within the time allowed.
Use a rate you can realistically expect. A savings account might pay a few percent, while investing carries more risk and no guarantee.
With only a month or two there is little time for compounding, so the monthly amount is close to the goal divided by the months.
The schedule uses the same monthly compounding as the answer, so its final row matches the goal when you deposit the amount shown.
No. All projections are calculated locally in your browser and nothing you type ever leaves your device.

Last updated: October 10, 2026