Have a number in mind — a deposit, a trip, an emergency fund — and a date to hit it? This works backward from your goal to the monthly amount you need to set aside, counting any interest your balance earns along the way.

How it works

It takes your goal, what you have saved already, your timeframe, and an expected return, then solves for the steady monthly contribution that lands you exactly on target. The bar shows how much of the gap interest covers versus your own contributions.

An example

To reach $30,000 in 5 years starting from $5,000, at 5% you would set aside a few hundred dollars a month — and interest quietly chips in a meaningful share, so you contribute less than the full difference yourself.

Good to know

Interest is compounded monthly at a steady estimated rate.
A longer timeframe or higher return lowers the monthly amount.
Results ignore taxes, fees, and inflation.

For education, not financial advice.