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बचत लक्ष्य कॅल्क्युलेटर

Savings Goal Calculator

Target Goal

Current Amount

Annual Return Rate

Months to Save

What is Savings Goal Calculator?

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Savings goal calculator determines monthly/periodic savings needed to reach financial target using compound growth.

DigiCalcs delivers precision-engineered tools for engineers and STEM professionals.

How to Savings Goal Calculator

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1Future value of existing savings: FV = PV × (1 + r)^n
2Gap = Goal − FV of current savings
3Required monthly contribution = Gap × r / ((1+r)^n − 1) × 1/(1+r)
4Higher return rates or longer timelines dramatically reduce required monthly contributions

Worked Examples

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Example 1

Given:Goal: $20,000 in 3 years, $2,000 saved, 5% return

परिणाम:Save ~$463/month

Current savings grow to $2,315

Example 2

Given:Goal: $100,000 in 10 years, $0 saved, 7% return

परिणाम:Save ~$576/month

Compound growth does the heavy lifting

How Long to Save $100,000 at $500/month

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Annual Return	Years to $100k	Total Contributed
0% (no investment)	16.7 years	$100,200
3%	13.9 years	$83,400
5%	12.0 years	$72,000
7%	10.5 years	$63,000
10%	8.8 years	$52,800

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Pro Tip

Automate your savings on payday so the money never hits your checking account. Studies show people save 40–50% more when savings are automatic.

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Did you know?

The "latte factor" — saving $5/day ($150/month) invested at 8% for 30 years — grows to over $220,000. Small consistent savings massively amplify over time.

References