如何计算Savings Goal

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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.

分步指南

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

例题解析