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Savings Goal Calculator
Calculate how much to save each month to reach a target, accounting for current savings and an optional annual return rate.
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Primary result
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PMT = (Goal − Current × (1+r)ⁿ) × r ÷ ((1+r)ⁿ − 1)
How this calculator works
Calculate how much to save each month to reach a target, accounting for current savings and an optional annual return rate.
The calculator keeps the inputs visible alongside the result so you can compare assumptions, change one value at a time, and copy or print the current estimate.
Frequently asked questions
How much belongs in an emergency fund?
A common target is three to six months of essential expenses.
Should short-term savings be invested?
For near-term goals, accessible savings generally avoids market timing risk.