learn.howToCalculate
learn.whatIsHeading
A savings goal calculator determines how much you need to save each month (or how long it takes) to reach a target amount by a specific date, given your current savings and expected investment return.
Hướng dẫn từng bước
- 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
Ví dụ có lời giải
đầu vào
Goal: $20,000 in 3 years, $2,000 saved, 5% return
Kết quả
Save ~$463/month
Current savings grow to $2,315
đầu vào
Goal: $100,000 in 10 years, $0 saved, 7% return
Kết quả
Save ~$576/month
Compound growth does the heavy lifting
Sẵn sàng để tính toán? Dùng thử Máy tính Savings Goal miễn phí
Hãy tự mình thử →