Calculate how much to save each month to reach your goal.

Enter your savings goal, what you’ve already saved, and an estimated rate of return, and find out the monthly contribution you need with compound interest. No sign-up, no data stored.

Savings Goal Calculator

What do you want to calculate?

Can be 0 if you're starting from scratch.

Between 0 and 20. Use 0 if you don't want to factor in returns.

Real Compound Interest

We apply the same formula used by financial institutions, in a neutral way.

Year-by-Year Growth

See how much is contributed capital and how much is interest earned at each stage.

Instant Results

Enter your numbers and get the monthly contribution or the time needed right away.

No Sign-Up, No Waiting

The calculation happens in your browser. No accounts or passwords.

Compound interest works better the sooner you start.

Compound interest is the mechanism by which your savings earn interest, and that interest, in turn, earns more interest. The longer you let your savings grow, the greater the effect: that’s why starting earlier, even with small contributions, usually matters more than contributing a lot all at once later.

What result do you get?

  • Required monthly contribution: the exact amount you need to save each month to reach your goal within the chosen timeframe.
  • Time needed: if you’d rather fix the contribution, we’ll tell you how many years it will take to reach your goal.
  • Capital vs. interest breakdown: how much of your final goal is money you contributed and how much is interest earned.

For your first emergency fund:

Calculate how much to save each month to build a 3-to-6-month expense cushion.

For a specific goal:

A home down payment, a trip, or any goal with a set amount and date.

For long-term savings:

Simulate how your money grows over 10, 20, or 30 years with different rates of return.

Frequently Asked Questions (FAQ)

Do I need to create an account?

No, never. You can use the calculator directly, with no sign-up or passwords.

What interest rate should I use?

You can try different rates to see how the result changes. The calculator doesn’t recommend any specific rate; it’s an indicative estimate that depends on the savings or investment product you choose on your own.

Is the result saved if I close the tab?

No. The calculation happens in your browser and disappears when you close or reload the page. If you want to keep it, you can write it down or take a screenshot.

Does this calculator tell me where to invest my money?

No. It only calculates financial math based on the data you enter; it doesn’t recommend any specific product or institution.