Savings Goal Calculator

Work backward from your target amount to find the contribution pace needed to hit your savings goal on time.

Adjust your numbers

Target amount

The balance you want to reach by your target date.

Current savings

What you already have saved toward this goal right now.

Time horizonyears

How long you have until you want to hit the goal.

Expected annual return%

Use 0 for cash savings or a modest estimate for invested goal money.

Contribution frequencydeposits

Choose how often you want to make goal contributions.

Compound frequencygrowth

This controls how often earnings are added back into the balance.

Calculations update as you type.

This tool works backward from a future target using your current balance, return assumption, and contribution schedule.

Use a lower return estimate for shorter timelines or goals that need to stay in safer accounts.