Savings Goal Calculator
Most savings calculators show a chart and ask you to sign up for a bank account. This one answers the only question that actually motivates saving: "when will I get there?" Type your goal, what you already have, and your monthly deposit — the answer is a calendar date, not an abstraction.
Add an optional APY to see what interest contributes — for many goals the interest line is small at first and becomes the fast lane later, which is exactly the part cash savers underestimate. Your inputs are remembered on this device and the share button produces a link that reopens the plan with your numbers filled in, so you can text the plan to an accountability partner.
How to use
- Type your savings goal, what you already have, and your monthly deposit — the target month and year appear instantly.
- Optionally add your account's APY to see the interest contribution; the progress bar shows how far you already are.
- Tap Share to send the plan as a link — it reopens with your numbers pre-filled, ready for the group chat.
Frequently asked questions
How long will it take to save my goal?
The big result gives the exact month and year based on your monthly deposit and optional interest rate, computed month by month. Change any input and the date recalculates instantly — shaving the timeline by raising deposits is the fastest experiment you can run.
Does the calculator include compound interest?
Yes — if you enter an APY, balances grow monthly at that rate, and the detail line splits your timeline into deposits versus interest earned. At 4% APY a $10,000 goal with $500 monthly deposits arrives about a month earlier than under the mattress.
What monthly deposit do I need to save $10,000 in a year?
About $815 a month without interest, or roughly $800 with a 4% APY. Set the goal and adjust the deposit until the date matches your deadline — the recalculation is live.
Are my numbers stored or uploaded?
No. Everything runs in your browser; the inputs are kept only in your own device's local storage so the page remembers them next visit, and nothing is ever sent to a server.