- Enter a monthly contribution starting from zero savings.
- Set your target and assumed annual return.
- Review the months, years and contributions required; compare another monthly amount.
Savings goal calculator
Estimate how long regular monthly contributions could take to reach a target under a constant return assumption. You choose the goal; it need not be one million. Free, without registration.
Starting values are an example. Replace them with your own.
Amount currency, without conversion
Months to target918
Years to target76.5
Contributions$91,800.00
Method and limitations
Starts from zero, with end-of-month contributions and a constant effective annual return. An unreachable target is shown as undefined rather than a made-up date.
How to use this calculator
How the calculation works
Starts from zero, with end-of-month contributions and a constant effective annual return. An unreachable target is shown as undefined rather than a made-up date.
How to read the result
The result is rounded up to a whole month. Contributions arrive at month-end. The years output converts those months to years; it is an estimate, not a promised completion date.
What you can do here
Change one input at a time and compare the result immediately. The calculation runs in your browser, with assumptions and limitations below the form. Default values are examples, not recommendations or live market data.
To compare a recurring investment contribution with income and payment dates, open the DCA budget planner.
Frequently asked questions
What does this calculator show?
Estimate how long regular monthly contributions could take to reach a target under a constant return assumption. You choose the goal; it need not be one million.
Why is no date shown for my target?
The target may be unreachable under the given contribution and return assumption. No completion time is shown when the target cannot be reached under these assumptions.
Does it include an existing savings balance?
This tool starts from zero. Use the DCA contribution calculator for a projection that includes starting capital.
Do I need an account or payment to calculate?
No. All fields and results are free. You can change inputs and compare scenarios without an account. An account is only needed for synchronising a plan in the dashboard.