Savings Goal Calculator
Find the regular contribution needed to reach your target.
Open calculator → PLAN A LITTLE. DREAM A LITTLE BIGGER.
Compound Interest
Calculator.
See what your money can grow into. Explore regular savings, compare possibilities, and give every goal a clearer plan.
13 working calculatorsNo sign-up to calculateCalculations in your browser
Build your savings plan
Change a number. Your estimate updates automatically.
Nominal rates are converted to an equivalent rate per contribution period. Deposits follow the selected timing. Rates are illustrative assumptions.
Your estimated future balance
—
Your money over time
Constant-rate illustration. Taxes and fees are excluded. Returns can vary or be negative; this is not a guaranteed outcome.
View yearly breakdown
Your planning toolkit
One goal. A few good questions.
Dedicated tools for the decisions behind your savings. Each has its own inputs, explanation, and results.
Time to Reach a Goal
Find out how long your savings plan could take.
Open calculator →Investment Comparison
Compare two plans with different rates, deposits, and timeframes.
Open calculator →Simple vs. Compound Interest
See how compounding changes an initial deposit over time.
Open calculator →Inflation Calculator
Explore future costs and the purchasing power of your money.
Open calculator →APY Calculator
Convert a nominal annual rate into an effective annual yield.
Open calculator →Understand the numbers
Time gives growth
room to build.
Compound interest adds earnings to your balance, allowing those earnings to grow too. Regular deposits add another source of growth.
Try changing just one input at a time: your contribution, the rate, or the number of years. The chart separates money you add from the projected total.
Compare simple & compound interest →For a single initial deposit
The compound interest formula
A = P(1 + r/n)ntA = future balance · P = principal
r = nominal annual rate as a decimal
n = compounding periods per year · t = years
For regular deposits, each contribution grows from the time it is added. The calculator models each contribution period separately.
The learning corner
Understand more.
Plan with confidence.
Explore the ideas behind the calculations, from regular contributions to the effect of inflation.
Visit the blog →How compound interest works
Earnings can earn interest too. Explore how your starting balance, rate, and time combine to shape a projection.
Explore the blog →Why regular contributions matter
Each deposit adds to the balance and has its own time to grow. Compare contribution amounts and schedules to see the difference.
Explore the blog →Future balance vs. purchasing power
A larger future balance may buy less than you expect. Learn why inflation-adjusted values tell another part of the story.
Explore the blog →Before you plan
Clear answers to common questions.
What is compound interest?
It is growth on your starting amount and on interest that has already accumulated. The model assumes that earnings remain in the balance.
Can I add weekly or annual contributions?
Yes. Choose a contribution frequency and whether deposits occur at the beginning or end of each period. Weekly projections use 52 equal periods per year; they are not a calendar-day bank statement.
What does the annual rate mean?
It is a nominal annual rate. For n compounding periods, effective annual growth is (1 + r/n)^n − 1. The calculator converts this to an equivalent rate for each contribution period.
How are inflation and contribution increases handled?
Purchasing power is the projected balance divided by (1 + inflation)^years. Contribution increases occur after each complete year and apply to future contributions.
Can I compare different plans?
Use Investment Comparison to enter separate starting amounts, contributions, rates, and timeframes. Its chart stops each plan at its own endpoint.
Are these estimates guaranteed?
No. This model assumes a constant rate, excludes taxes and fees, and does not model market volatility. Negative rates can be entered to explore losses.
Are my inputs saved?
The calculators run in your browser. This implementation does not send calculator values to a server or save them in browser storage. Downloaded CSV files contain your displayed projections.