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The savings-goal calculator turns the compound-interest question around: instead of computing the final balance from a fixed monthly rate, you set the goal - and the calculator tells you which monthly contribution it takes to reach it within the chosen time. From the goal, any starting capital, the annual rate and the term it solves the savings-plan formula for the rate. So it answers the practical question behind every savings plan: how much do I have to put aside month after month so the target sum is there at the end?
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The model compounds monthly and books the contribution at month-end, just like a classic savings plan. If your starting capital alone already overshoots the goal, the calculator shows a required rate of zero. Besides the monthly saving you see how much you pay in overall and how much of that is interest, plus the year-by-year progression as a table and curve. Change an input and everything updates instantly.
An honest note: this is a model-based estimate with a fixed rate, not financial or investment advice. Taxes on returns, inflation, fees and fluctuating interest rates are deliberately not included - real-world results will differ, and inflation in particular lowers the true purchasing power of your goal. The amounts are shown in euros as an example; the underlying maths applies to any currency. For binding decisions, consult a qualified adviser.
Specifications
Specifications
Input formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the goal, starting capital, interest rate and term.
Read off the required monthly saving - with contributions, interest and the progression.
Change an input; the result updates instantly.
Limitations:A model-based estimate with monthly compounding; the contribution is booked at month-end. Taxes, inflation, fees and fluctuating rates are not included - inflation additionally lowers the real purchasing power of the goal. The term is limited to 1 to 100 years and the rate to at most 100 % per year. Amounts are in euros as an example - the underlying maths applies to any currency. Not financial or investment advice.
FAQ
Are my inputs uploaded?
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
How is the required saving calculated?
The calculator solves the savings-plan (future-value) formula for the monthly rate, with monthly compounding and the contribution at month-end.
What if my starting capital is already enough?
Then the calculator shows a required saving of zero - your capital alone already grows past the goal.
Are taxes and inflation included?
No, deliberately not. Capital-gains tax, inflation and fees are left out; inflation also lowers the real purchasing power of the goal.
Is this investment advice?
No. It is a non-binding, model-based estimate. For binding decisions, consult a qualified adviser.