Savings planner
Savings goal calculator
Turn a target amount and deadline into an estimated monthly savings contribution.
Build a monthly plan
Enter your goal, starting balance, assumed return, and timeline.
Required monthly savings
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Actual returns, fees, taxes, and deposit timing can change the result.
How to use the result
The monthly amount is an estimate based on steady monthly deposits and a constant annual return. If the required contribution is too high, compare the effect of extending the timeline, lowering the goal, or starting with more saved.
Planning with uncertain returns
Try a conservative return and a zero-return scenario. A savings account, investment account, and short-term cash goal have different risks and expected returns, so one assumption does not fit every goal.
Good inputs produce useful estimates
- Use the amount already dedicated to this specific goal.
- Express the timeline in years, including partial years.
- Do not treat an assumed return as guaranteed.
Method reviewed September 25, 2026. This calculator is for general planning, not financial advice. See our methodology.