Saving Calculator

Plan and visualize your savings growth

Quick Mode: Enter your target and get the required periodic saving to reach it.
Expert Mode: See year-by-year growth with interest and contributions, plus export.
Comparison: Compare 2–3 strategies side by side with a bar chart.
Retirement: Estimate needed nest egg and simulate withdrawals with inflation.

Initial savings Regular contribution Contribution frequency Years Annual interest (%) Compounding Inflation (%)

How much to save?

Target amount

To reach your goal, you need to save ‏84.93 US$ per month.

With ‏300.00 US$ per month, you will reach your goal in about 2.7 years.

To reach ‏10,000.00 US$ in 8 years, save ‏84.93 US$ per month.

How is compound interest calculated?+

Future value FV = P*(1+r)^n + PMT*((1+r)^n - 1)/r, where P is initial, PMT the per-period contribution, r rate per period, n number of periods.

Which contribution frequency should I choose?+

Choose the cadence you actually deposit (monthly or yearly). The calculator converts it to the compounding frequency internally.

What rate should I use?+

Use a conservative annual return expectation for your investment type (e.g., 3–5% for conservative, 5–7% balanced).

What does withdrawal rate mean?+

In retirement, a 4% withdrawal rule is a common rule-of-thumb for sustainable annual withdrawals.