How does contribution timing affect the result?
A beginning-of-month deposit receives one additional month of estimated growth, so it can require slightly less money than an end-of-month deposit under a positive return.
Savings Goal Calculator
Compare a target-date contribution with your planned amount and export the projection.
Workspace
Preparing the savings calculator…
Savings assumptions
Set the goal and timeline
Target horizon
This projection uses a constant monthly-compounded return. It does not model inflation, taxes, fees, changing deposits, or volatile returns.
GuideHow to use
- Enter the goal, current savings, estimated annual return, and planned monthly contribution.
- Choose a date or use a quick horizon, then say whether deposits happen at the beginning or end of each month.
- Compare the amount required by the target date with the completion date produced by your planned amount.
- Switch the yearly schedule between scenarios, copy the complete plan, or download the selected monthly projection as CSV.
HelpFrequently asked questions
Why are there two scenarios?
The target-date scenario solves for the monthly amount required by your chosen date. The planned-contribution scenario keeps your entered monthly amount and solves for a projected completion date.
What is included in estimated growth?
Growth is the ending balance minus current savings and future contributions for that specific scenario. The target and planned scenarios show their own values separately.
What happens if the goal is already funded?
The required future contribution becomes zero and the page reports the current surplus. No empty future schedule is presented as if deposits were still necessary.
What does not reached within 100 years mean?
The selected contribution and return did not reach the goal within the calculator’s 1,200-month safety limit. Increase the contribution, revise the goal, or review the return assumption.
Is the projected return guaranteed?
No. The rate is an estimate. Actual savings rates, investment returns, fees, and market changes can produce a different result.
Does the projection account for inflation or taxes?
No. Values are nominal and use a constant return. Inflation, taxes, fees, volatile returns, and changing contributions are not modelled.
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