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Savings goal calculator

Works for any goal: an emergency fund, a car, a trip, a down payment. Interest is compounded monthly.

Savings goal ($)Saved so far ($)Months to reach itInterest rate (% per year, 0 if none)

Do this every month in a spreadsheet

Savings Goals Tracker Spreadsheet: Set targets, log deposits to each goal, and see saved, remaining and percent complete update instantly.

Excel and Google Sheets, formulas already set up. Instant download.

Does interest make a big difference?

For short goals, not much. Over several years, a high-yield savings rate can noticeably lower the monthly amount needed.

What if I can't afford the monthly amount?

Extend the deadline, lower the goal, or start with what you can and increase it when income goes up. Any automatic amount beats none.