Money & work

Savings goal calculator

Find out how long it takes to reach a goal and how much to save each month.

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How it works

Months needed = (goal − saved) / monthly saving. Monthly amount = (goal − saved) / months.

Results are for guidance only and do not replace professional advice.

Worked example

With the default values:

  • Goal5000
  • Already saved500
  • Saved per month200
  • Or: reach it in (months)12

you get:

  • Time needed23 months
  • Reached aroundSeptember 2028
  • Monthly saving for 12 months€375.00
  • Still to save€4,500.00

Frequently asked questions

How does the “Savings goal calculator” tool work?

Months needed = (goal − saved) / monthly saving. Monthly amount = (goal − saved) / months.

What do I need to enter?

Just fill in: goal, already saved, saved per month, or: reach it in. The result updates as you type.

Can you give an example?

Goal: 5000; Already saved: 500; Saved per month: 200; Or: reach it in (months): 12 → Time needed: 23 months; Reached around: September 2028.

Is this calculator free, and is my data private?

Yes. HOD Calc is completely free with no sign-up. The calculation runs in your browser: nothing you type is sent or stored.