Choose Find Savings for a required deposit, Find Time for the first date the goal is reached, or Find Total for the projected balance. The calculated field stays visible and locked; switching modes preserves your entered assumptions.

Deposit frequency

Choose a start date, a number of months and the deposit frequency. Monthly dates retain the starting month-end where applicable; weekly and biweekly mean actual intervals of 7 and 14 days. Beginning deposits start immediately; end deposits start one interval later.

Rate convention

Enter a nominal APR with its compounding frequency, or an effective APY. Growth uses actual elapsed days divided by 365. This planning convention may differ from an account’s daily rounding or interest-crediting rules.

Recommended deposit

Review the exact deposit and the amount rounded upward to cents or whole dollars. The recommended amount is simulated again, and that same simulation supplies the chart, table, explanation and CSV.

Fees paid

Positive interest creates a tax reserve at each ledger date. No tax credit is assumed for losses. Monthly fees are charged after deposits on each monthly anniversary; an unaffordable fee stops the projection rather than inventing an overdraft.

Today's dollars

Inflation raises the target with elapsed time. The optional today’s-dollar chart discounts all series consistently. Annual deposit increases start after the first year. Skipped deposit numbers and dated extra deposits change the actual cash-flow calendar.

Scenario Analysis

Scenario previews calculate a larger deposit, a longer planning period or a lower target before you apply the change. The preview states its resulting mode, deposit, date and balance; returns are assumptions, not guarantees.

Not reached within 100 years

Find Time searches at most 100 years and reports when the goal is not reached within that horizon. Zero-rate, already-funded and fee-depleted accounts have explicit results. Extreme inputs that exceed the numerical range do not receive invented values.