Goal Calculator
Calculate how much you need to invest monthly or as a lump sum to hit your target financial goals. Reverse compounding planner.
Calculate required monthly savings or lump sums to meet financial goals
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Cost of Delay (Monthly Savings Impact)
Target Accumulation Schedule
| Year | Invested Cumulative Principal | Compounded Interest earned | Target Balance |
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How to use this tool
Target-Based Investing
Working backwards is one of the most effective ways to plan investments. Setting a fixed target amount (for a house downpayment, college fund, or travel) tells you exactly what monthly budget you must commit to.
How to Plan Your Milestones
Define your future target budget to reveal your required savings rate.
Target Goal Amount
Input the total money needed in the future to fund your goal.
Expected Annual Rate
Enter the yield/interest rate you expect your goal-dedicated portfolio to return.
Goal Horizon
Select the duration (Years) you have left before you need to withdraw the money.
The Goal Planning Formula
The required monthly savings (PMT) is calculated using the sinking fund formula:
Required Monthly Savings = Target × [i / ((1 + i)n - 1)] × [1 / (1 + i)]
Frequently Asked Questions
Planning details for target funds.
Should I adjust my target for inflation?
Yes. If your goal is 10 years away (e.g., child’s education), the actual cost in 10 years will be higher due to inflation. You should input the future inflated cost rather than today’s current cost.
Is it better to invest as a lump sum or monthly?
If you have the capital available today, investing as a lump sum allows the entire amount to compound for the full duration. Otherwise, setting up a consistent monthly plan reduces market volatility risks.
Privacy & Safety Policy
All tools run completely in your browser via client-side JavaScript. We do not upload your files, interest parameters, or JSON payloads to any server. Your data remains yours.