Savings Goal Calculator
Savings goal calculator that shows how much to save per month to reach a target, counting your current savings and the return they earn on the way.
Formula
PMT = (goal − FV of current) × i / ((1 + i)^m − 1)
Use it from the API
curl "https://moltcalc.com/api/calc/savings-goal?goal=50000¤t=5000&years=5&rate=4"
See the API docs for every endpoint and the input schema.
FAQ
How much do I need to save each month to reach my goal?+
The calculator first grows your current savings at your expected return, then solves for the monthly deposit whose future value covers whatever is still missing by the deadline. Both your existing savings and new deposits earn the same return along the way.
Does the expected return really change how much I have to save?+
Yes. A higher return means your deposits do more of the work, so the required monthly amount drops. Just remember investment returns are not guaranteed, so it is safer to plan with a conservative rate.
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