Savings Goal Calculator

How to use

1. 1Pick a calculator mode: Time to reach a goal, Required deposit per period, or Final balance from regular deposits.
2. 2Select your currency, deposit cadence (weekly, biweekly, semi-monthly, monthly, quarterly, or yearly), and whether you deposit at the start or end of each period.
3. 3Type the target amount, starting balance, deposit per period (or time horizon), and the annual interest rate. Use 0% for a no-interest account.
4. 4Click a Common goal preset (emergency fund, down payment, vacation, wedding, new car, college fund) to seed realistic inputs in one click.
5. 5Read the headline result, the supporting figures, and the year-by-year schedule. Use any Copy button, Copy summary, or Copy schedule CSV to grab the numbers.

About this tool

Savings Goal Calculator answers the three questions every saver searches for. Time to reach a goal mode takes a target balance, your starting balance, the amount you can deposit every period, and an optional interest rate, then solves for the number of weeks, biweeks, half-months, months, quarters, or years it takes to hit the goal. Required deposit mode takes a target, a starting balance, and a deadline (in years and months), then returns the exact deposit per period you need to land on the goal on time. Final balance mode takes a starting balance, a deposit per period, and a time horizon, then projects where you actually land. Pick the deposit cadence that matches how money leaves your account in real life: weekly, every two weeks (the common biweekly paycheck), twice a month (the common semi-monthly paycheck), monthly, quarterly, or yearly. Choose between end-of-period deposits (the default for most savings accounts and 401(k) contributions) and start-of-period annuity-due deposits (which compound for one extra period). Interest is optional and uses the standard annuity formulas FV equals P times (1 plus i)^n plus C times ((1 plus i)^n minus 1) divided by i for the ordinary annuity, with linear math when the rate is zero. Currency switches between US dollar, Euro, British pound, Canadian dollar, Australian dollar, Japanese yen, Indian rupee, and Turkish lira with full Intl number formatting. A year-by-year schedule shows starting balance, deposits added, interest earned, and ending balance for every year, and copies as CSV for a spreadsheet. Common goals (emergency fund, down payment, vacation, wedding, new car, college fund) seed realistic inputs in one click. Useful for sizing a high-yield savings account contribution, planning a wedding or holiday fund, saving for a house down payment, building a three-month emergency fund, or projecting a CD ladder. The tool models a fixed-rate savings scenario and does not include taxes, inflation, fees, or variable returns, so always confirm long-term decisions with a qualified financial advisor.

Free to use. Works in your browser. No signup, no login.