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Finance · Saving

Simple Savings Goal and Monthly Contribution Calculator

Turn your savings goal into a simple monthly plan, or see how far your current savings habit can take you.

Sample values auto-calculate on load so you see results immediately. All calculations stay in your browser.

Autres langues ja | en | zh-CN | es | pt-BR | id | fr | hi-IN | ar

How to use (3 steps)

  1. Choose what to calculate: monthly contribution needed, future savings from a monthly amount, or time to reach a goal.
  2. Enter your current savings, goal or monthly deposit, the period, and the expected annual rate (0% for no interest).
  3. Results update automatically. Adjust the numbers to fit your budget, then use “Copy URL” to share the scenario.

Currency is cosmetic only; type plain numbers without symbols in the fields.

Inputs

Use realistic rates; this tool assumes a constant annual rate compounded monthly and ignores taxes or fees.

Enter only the symbol here (e.g., $, €, ¥). Use plain numbers in other fields.

Enter 0% to ignore interest and see simple saving.

Required monthly contribution

Monthly contribution needed

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Saving period
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Savings goal
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Current savings
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Monthly contribution
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Total contributions
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Future savings amount
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Interest / growth
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How it’s calculated

FAQ

What happens if I enter 0% interest?

The calculator treats it as simple saving with no growth. Future value is just current savings plus total contributions, so you can focus on the monthly habit without compounding.

Why does it say the goal is unreachable?

This appears when the goal cannot be met with the current monthly contribution and interest rate—for example 0% interest with a 0 contribution. Increase the monthly amount, extend the timeline, or use a higher assumed rate if realistic.

What if my current savings already meet the goal?

If your existing balance already meets or exceeds the goal, the required monthly contribution becomes 0 and the time to goal is shown as 0 months.

Is my data stored or sent anywhere?

All calculations run in your browser. The amounts you type are not sent to a server as personal data. Use the Copy URL button only when you want to share a scenario.

Comments

Load comments only when you need them.

, defaults: { mode: 'required-monthly', targetAmount: 10000, initialBalance: 1000, monthlyContribution: 250, years: 3, extraMonths: 0, apr: 2.4, currency: ' }, labels: { headings: { 'required-monthly': 'Required monthly contribution', 'future-value': 'Future savings amount', 'time-to-goal': 'Time to reach your goal' }, primary: { 'required-monthly': 'Monthly contribution needed', 'future-value': 'Projected savings', 'time-to-goal': 'Time to goal' }, summary: { period: 'Saving period', targetAmount: 'Savings goal', initialBalance: 'Current savings', monthlyContribution: 'Monthly contribution', totalContributions: 'Total contributions', futureValue: 'Future savings amount', interestGain: 'Interest / growth' }, timeLabels: { yearsMonths: '{years} years {months} months', monthsOnly: '{months} months' }, states: { goalMet: 'Your current savings already meet or exceed this goal. No additional monthly contribution is required.', unreachable: 'With the current monthly contribution and interest rate, this goal cannot be reached. Try increasing your monthly contribution, adjusting the goal, or using a higher realistic rate.', invalid: 'Please check your inputs.' }, notes: { 'required-monthly': function (amount, period) { return `Save ${amount} every month for ${period} to reach this goal.`; }, 'future-value': function (future, period) { return `After ${period}, your savings could reach ${future}.`; }, 'time-to-goal': function (period, future) { return `You will reach the goal in about ${period}. Estimated balance then: ${future}.`; } } }, messages: { amountNonNegative: 'Enter an amount greater than or equal to 0.', targetPositive: 'Enter a goal amount greater than 0.', periodInvalid: 'Enter a saving period of at least 0 years.', monthsRange: 'Additional months must be between 0 and 11.', aprRange: 'Enter an annual rate between 0% and 100%.', invalid: 'Please check your inputs.' } }); renderRelated({ locale: 'fr', selfUrl: '/fr/calculators/simple-savings-goal/', category: 'finance', containerId: 'related-links' }); });