Stable Numbers
Savings Goal Calculator
Solve the monthly amount needed to hit a target by a date, or the time needed with a fixed monthly contribution. Monthly compounding with start or end of month timing and optional annual uplift.
Nominal APR, compounded monthly.
You can mix years and months.
The solver will search up to this limit.
Start of month compounds contributions for that month. End of month adds after interest.
Optional increase to your monthly amount on each anniversary.
Used to label schedule months.
Contribution rises each anniversary by the uplift if set. Final month adjusts to land on the target.
If the goal is unreachable within the max term, you will see the best result at that limit.
Show monthly schedule
| # | Date | Start balance | Contribution | Interest | End balance |
|---|---|---|---|---|---|
Final month trims the contribution to land on the exact target. Minor rounding differences can occur.
About this calculator
The solver handles two cases. In solve monthly mode you choose a term and it finds the monthly contribution that reaches your target. In solve time mode you choose a monthly contribution and it finds how many months it will take. Monthly compounding is applied with your chosen timing. If you add an annual uplift, the monthly contribution increases each year on the anniversary.
Use this for ISA planning, emergency funds and larger goals. Treat results as guidance. Banks may compound on different timetables or round at different steps.
Explore more in the finance tools hub.