About This Planner
This works backward from a savings target to the monthly deposit that gets you there — the reverse of a typical compound interest calculator. Give it your goal amount, what you've already saved, your timeframe, and an expected rate of return, and it solves for the exact monthly deposit needed, accounting for the growth your existing and future savings will earn along the way. It also breaks the plan into yearly milestones, so you can check your actual progress against the plan as you go rather than only finding out at the deadline whether you're on track. Everything is calculated locally in your browser.
Tips for Hitting Your Goal
Automate itSetting up an automatic transfer for the required monthly amount right after payday removes the temptation to skip a month or "figure it out later."
Keep goal money separateA dedicated account for this specific goal makes it easier to track progress and harder to accidentally spend the money on something else.
Revisit the plan periodicallyIf your timeline, target amount, or actual returns change, re-run the numbers — a plan set once and never checked again can quietly drift off track.
Match the account to the timelineMoney needed within a couple of years is usually better kept somewhere stable (high-yield savings, CDs) rather than in something that could lose value right when you need it.
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For any questions, bug reports, or feature requests, please drop your comments below.