Calculadora de Meta de Ahorro
Work out exactly how much to put aside each month to hit a target by a date
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$264.83
To reach $20,000 in 5 years, save $264.83 a month at 4% a year.
Your contributions Interest (12% of the goal)
Assumes the rate holds steady and every payment is made on time. Real savings rates move, and investment returns move a great deal more - treat this as a target to aim at, not a promise.
Acerca de esta herramienta
Most savings calculators answer the question "what will this grow into". That is rarely the question people actually have. If you need a house deposit by a certain year, or a set amount for a wedding or a car, what you want to know is how much has to leave your account each month to get there. This calculator solves that directly: enter the target, what you have already, how long you have and a realistic interest rate, and it works out the exact contribution per month, fortnight, week or year. It also splits the result into how much comes from you and how much the interest contributes, which is the part that makes starting early feel worth it.
Cómo usar esta herramienta
- Enter your targetThe amount you need at the end - the deposit, the fee, the emergency fund.
- Add what you already haveExisting savings count, and they keep growing on their own, which reduces what you need to add.
- Set the deadlineHow many years until you need the money. Half-years are allowed.
- Use a realistic rateA savings account rate for short goals. Do not use optimistic investment returns for money you need on a fixed date.
- Pick your payment rhythmMonthly, fortnightly, weekly or yearly - whichever matches how you actually get paid.
Por qué usarla
- Answers the question people actually have: how much per month, not what will it grow to.
- Credits the growth on savings you already hold, so the required contribution is not overstated.
- Supports monthly, fortnightly, weekly and yearly rhythms to match how you are paid.
- Shows how much of the goal comes from interest rather than from you.
- Tells you when your existing savings already reach the target unaided.
- Free, no sign-up, and calculated entirely in your browser.
Usos comunes
- Saving a house deposit by a specific year.
- Building an emergency fund of three to six months of expenses.
- Putting money aside for a wedding, a car or a big trip.
- Working out whether a goal is realistic before committing to it.
- Comparing what a longer deadline does to the monthly amount.
Consejos para mejores resultados
- For anything under about five years, use a savings account rate rather than an investment return. Money you need on a date should not be exposed to a market dip.
- Set up the transfer for the day after payday. Money that never sits in your current account is far easier to save.
- If the monthly figure is impossible, extend the deadline before lowering the target - time is the cheaper lever.
- Re-run it once a year. Rates change, and so does what you can afford.
Errores a evitar
- Using an optimistic investment return for a short-term goal, which quietly assumes risk you cannot afford to take.
- Forgetting existing savings, which makes the required contribution look larger than it is.
- Entering a monthly rather than an annual interest rate.
- Setting a target without allowing for the cost rising - a deposit on a house is a percentage of a moving price.
Preguntas frecuentes
A compound interest calculator takes your contributions and tells you the final balance. This one works backwards: it takes the final balance you need and tells you the contribution. It is the same formula rearranged, but it answers the question people actually arrive with.
For a goal within about five years, use the rate on a real savings account you can open today. For longer horizons some people use a conservative investment return, but remember that returns are not guaranteed and a bad year near the deadline can leave you short.
Yes. Existing savings are grown at the same rate over the period, and only the shortfall is spread across your contributions. That is why adding to the current savings field reduces the monthly figure.
It means your existing balance, left alone at that rate, already grows past the target before the deadline. The tool says so rather than showing a negative contribution.
No - the target is treated as a fixed amount of money. If your goal is years away and its real-world cost will rise, set a target a little higher than today price, or check our inflation calculator to estimate by how much.
Yes. Monthly, every two weeks, weekly and yearly are all supported, and the compounding is matched to the rhythm you pick so the answer stays correct.
No. The calculation happens in your browser, so your target, your balance and your income rhythm never leave your device.