Time to goal

How long, exactly? Given what you can save.

The other side of the goal-setting question. You know what you can save each month and the target you're aiming at — this tells you how many years it actually takes. If the answer is "14 years," that's information about whether the timeline or the lifestyle gets renegotiated first.

Target amount
$
Monthly contribution
$
Annual return rate
%

7% for stocks. Use lower (4–5%) if it's a HYSA / bond mix.

Starting balance
$

Optional — what you already have saved.

What your numbers say

Years to target

6 yr 10 mo

saving $500/mo

You'll contribute: $40,752

Growth: $9,248

Doubling the monthly

3 yr 9 mo

at $1,000/mo instead

The marginal year savings tells you how much income lever matters here.

The math

Solves the future-value annuity for n. With both starting balance and recurring contributions, no closed form — we step year by year and interpolate inside the year you cross the target.

The timeline tells you what to negotiate.

If the answer is fourteen years, the question wasn't really about saving.

Free 7-day trial. No card. We'll save what you wrote so you don't lose your spot.