Savings Goal Calculator
Answer “how much per month do I need to invest?” when you already know the target date and a realistic long-term return assumption.
Use it for vacation funds, down payments, or any lump-sum goal—not as a promise of market returns.
Required monthly savings
Enter values.
How this is calculated
We grow your current balance with the same monthly rate for the whole horizon, then solve for the level monthly deposit so the projected balance meets your goal.
If your current balance alone reaches the goal at that return, the required deposit shows as zero.
Use this tool for
- Backing into a monthly auto-transfer after you pick a wedding or move date.
- Seeing how a higher return assumption lowers required savings—and why that can be risky.
- Comparing two timelines (three years vs. five) on the same target.
Common questions
What if the monthly number is unrealistic?
Extend the timeline, raise contributions later in two steps, or lower the goal—returns are not guaranteed.
Inflation?
Enter a goal in today’s dollars and optionally reduce the return field to approximate a real (after-inflation) rate.
