Financial decision guide and interactive simulator

Savings goal calculator

Is the target date achievable at a contribution I can sustain?

What this calculation is designed to show

The calculator compares the desired amount and deadline with current savings, contributions and assumed growth. Inflation may raise the future amount needed for a goal whose price changes over time.

How to test the decision

Start with a conservative return and include no return for cash held in a non-interest account. If the required contribution is too high, compare moving the date, reducing the target or adding a once-off deposit.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.