Budget Calculator (50/30/20)
Split your take-home pay into needs, wants, and savings with the 50/30/20 rule.
Open calculatorSaving & Budgeting
Savings Goal Calculator
Enter your goal, what you've saved, and your monthly contribution to get a projected goal date — including the boost from interest.
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How this calculator works
The calculator grows your current savings by one month of interest, adds your monthly contribution, and repeats until the balance reaches your goal. With today's high-yield savings rates, interest does a surprising share of the work on longer timelines.
Make the goal automatic
- Break it down — a $15,000 goal is abstract; "$400 on the 1st of every month" is an instruction.
- Automate the transfer — schedule it for payday so saving happens before spending can.
- Use a separate account — a dedicated high-yield savings account keeps the money visible, growing, and out of temptation's reach.
If the date feels too far away
You have three dials: raise the monthly amount, lower the goal, or extend the deadline. Even a small monthly increase moves the date more than you'd expect — try adding $50 above and watch the timeline shrink. Windfalls like tax refunds or bonuses can fast-forward the plan without touching your monthly budget.