Savings Goal Calculator

Calculate the monthly savings needed to reach a financial goal.

Savings Goal Calculator helps you find how much to save each month to reach a goal. Enter goal amount, already saved, annual return, and years to goal, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the Savings goal calculator does Savings Goal Calculator is built for money decisions — loans, savings, payments, and taxes. Find how much to save each month to reach a goal. You enter goal amount, already saved, annual return, and years to goal, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works The required payment is the annuity formula solving for PMT given a future value, after compounding the starting balance forward. The formula: D = (goal − P × (1 + r)^n) ÷ (((1 + r)^n − 1) ÷ r). D is the monthly deposit, P is what you have already saved, r is the monthly return, and n is the number of months.