Financial Goals Calculator
Calculate how much you need to save each month to reach your goal, or find out when you'll get there with your current savings.
Calculate how much you need to save each month to reach any personal goal — a car, a house deposit, a trip, or an emergency fund. Set a deadline or a monthly budget and find out when you'll get there.
Remember to keep an emergency fund (3–6 months of expenses) before putting all your savings toward a specific goal.
By this month you should have already reached your goal.
When you start saving. Used to show real calendar dates in the evolution table.
Enter your savings goal to see the result.
How the calculator works
Enter your goal, how much you've already saved, and how much you can contribute each month. If you have a deadline, the calculator tells you whether you'll make it on time. If you have a fixed monthly budget, it tells you when you'll reach the goal. For longer timelines, you can enable the inflation adjustment to reflect the real future cost.
Methodology →How to read the results
The main result shows whether you'll reach your goal on time with your current savings. If not, you'll see four alternatives: save more, extend the deadline, adjust the goal, or finance the gap. When the timeline exceeds 36 months, hypothetical return scenarios are also shown if you were to invest your savings.
Model limitations
The calculator assumes constant monthly contributions with no return (except in hypothetical scenarios). It does not account for unexpected events, income changes, or personal circumstances. Results are indicative only.
Frequently asked questions
- When does the inflation adjustment appear?
- When the timeline is 24 months or longer. For shorter goals the impact is small and is omitted.
- What does 'finance part of the goal' mean?
- It means combining your monthly savings until the deadline with a personal loan to cover the remaining gap. The estimated payment shown uses a hypothetical rate; actual terms depend on your bank.
- Are the return scenarios investment recommendations?
- No. They are hypothetical projections showing how a given annual return rate would affect your savings. They do not constitute financial advice.
Need to finance part of the goal?
Open loan calculator