Savings Goal Planner

Set a goal amount and a target date (or years), and find the monthly savings needed. Or, enter your monthly contribution to estimate when you'll reach your inflation-adjusted goal.

Goal & Mode
Use this or enter Years
Savings & Assumptions
Used for Time to Goal mode, and preview
Increase your monthly contributions annually by this %
Notes:
  • Goal is adjusted for inflation to the target horizon.
  • Future value uses monthly compounding; contributions can grow annually.
  • For "Monthly Needed", we solve for the initial monthly that grows annually by your chosen rate.
Summary
Inflation-Adjusted Goal
Goal value at target horizon
Projected Value (Current Plan)
With current monthly & growth
Monthly Needed
Surplus / Shortfall
Estimates based on constant rates. Actual results vary with market conditions and changes in contributions.
Balance Growth Over Time

Year-wise Breakdown

Year Contribution (Year) End Balance Real Balance (today's value)

Support This Free Tool

Every coffee helps keep the servers running. Every book sale funds the next tool I'm dreaming up. You're not just supporting a site — you're helping me build what developers actually need.

500K+ users
200+ tools
100% private
Privacy Guarantee: Private keys you enter or generate are never stored on our servers. All tools are served over HTTPS.