Stable HarvestSavings calculators, grown slowly

Savings goal calculator

Find the monthly deposit that gets you to a goal by a date you choose, or how long the deposit you can manage will take. Add your account's interest rate if it pays one.

What do you want to work out?

months

% a year

An example rate, not a forecast. Enter your account's own rate, or 0.

Set aside each month

$340.53

for 2 years, reaching $10,000.00 by Oct 2028

GoalHalf

15% of the goal saved today

Already saved
$1,500.00
Your deposits
$8,172.72
Interest earned
$327.39
Balance at the end
$10,000.11

How the balance builds

  • Already saved
  • Your deposits
  • Interest
$0$5K$10K$15KNov 2026, balance $1,844.23: already saved $1,500.00, deposits $340.53, interest $3.70Nov ’26Dec 2026, balance $2,189.31: already saved $1,500.00, deposits $681.06, interest $8.25Jan 2027, balance $2,535.24: already saved $1,500.00, deposits $1,021.59, interest $13.65Feb 2027, balance $2,882.02: already saved $1,500.00, deposits $1,362.12, interest $19.90Feb ’27Mar 2027, balance $3,229.66: already saved $1,500.00, deposits $1,702.65, interest $27.01Apr 2027, balance $3,578.15: already saved $1,500.00, deposits $2,043.18, interest $34.97May 2027, balance $3,927.51: already saved $1,500.00, deposits $2,383.71, interest $43.80May ’27Jun 2027, balance $4,277.72: already saved $1,500.00, deposits $2,724.24, interest $53.48Jul 2027, balance $4,628.80: already saved $1,500.00, deposits $3,064.77, interest $64.03Aug 2027, balance $4,980.75: already saved $1,500.00, deposits $3,405.30, interest $75.45Aug ’27Sep 2027, balance $5,333.56: already saved $1,500.00, deposits $3,745.83, interest $87.73Oct 2027, balance $5,687.25: already saved $1,500.00, deposits $4,086.36, interest $100.89Nov 2027, balance $6,041.80: already saved $1,500.00, deposits $4,426.89, interest $114.91Nov ’27Dec 2027, balance $6,397.23: already saved $1,500.00, deposits $4,767.42, interest $129.81Jan 2028, balance $6,753.54: already saved $1,500.00, deposits $5,107.95, interest $145.59Feb 2028, balance $7,110.73: already saved $1,500.00, deposits $5,448.48, interest $162.25Feb ’28Mar 2028, balance $7,468.79: already saved $1,500.00, deposits $5,789.01, interest $179.78Apr 2028, balance $7,827.74: already saved $1,500.00, deposits $6,129.54, interest $198.20May 2028, balance $8,187.58: already saved $1,500.00, deposits $6,470.07, interest $217.51May ’28Jun 2028, balance $8,548.30: already saved $1,500.00, deposits $6,810.60, interest $237.70Jul 2028, balance $8,909.92: already saved $1,500.00, deposits $7,151.13, interest $258.79Aug 2028, balance $9,272.42: already saved $1,500.00, deposits $7,491.66, interest $280.76Sep 2028, balance $9,635.82: already saved $1,500.00, deposits $7,832.19, interest $303.63Oct 2028, balance $10,000.11: already saved $1,500.00, deposits $8,172.72, interest $327.39Oct ’28Goal $10,000
Show the numbers
Balance month by month
MonthDeposits so farInterest so farBalance
Nov 2026$340.53$3.70$1,844.23
Dec 2026$681.06$8.25$2,189.31
Jan 2027$1,021.59$13.65$2,535.24
Feb 2027$1,362.12$19.90$2,882.02
Mar 2027$1,702.65$27.01$3,229.66
Apr 2027$2,043.18$34.97$3,578.15
May 2027$2,383.71$43.80$3,927.51
Jun 2027$2,724.24$53.48$4,277.72
Jul 2027$3,064.77$64.03$4,628.80
Aug 2027$3,405.30$75.45$4,980.75
Sep 2027$3,745.83$87.73$5,333.56
Oct 2027$4,086.36$100.89$5,687.25
Nov 2027$4,426.89$114.91$6,041.80
Dec 2027$4,767.42$129.81$6,397.23
Jan 2028$5,107.95$145.59$6,753.54
Feb 2028$5,448.48$162.25$7,110.73
Mar 2028$5,789.01$179.78$7,468.79
Apr 2028$6,129.54$198.20$7,827.74
May 2028$6,470.07$217.51$8,187.58
Jun 2028$6,810.60$237.70$8,548.30
Jul 2028$7,151.13$258.79$8,909.92
Aug 2028$7,491.66$280.76$9,272.42
Sep 2028$7,832.19$303.63$9,635.82
Oct 2028$8,172.72$327.39$10,000.11

Educational use only — not financial advice

How the calculator works

Choose what you want to know. How much each month? takes your goal, what you have already saved and the number of months you have, and works out the deposit needed. How long will it take? takes the deposit you can manage and counts the months until the balance reaches the goal.

Deposits are assumed at the end of each month. If your savings earn interest, enter the account's annual percentage yield (APY), the rate US banks must quote under the Truth in Savings rules. The calculator turns it into the equivalent monthly rate, so twelve months of growth equal the APY exactly. Rates change, so treat the result as a plan to revisit, not a promise. With a 0% rate it is simple division: (goal − saved) ÷ months.

Monthly deposit = (goal − saved × (1 + r)n) × r ÷ ((1 + r)n − 1)

Here r is the monthly rate, (1 + APY)1/12 − 1, and n the number of months. Worked example: to turn $1,500 into $10,000 in 24 months at 3% APY you would set aside $340.53 a month; your deposits add $8,172.72 and interest $327.39. The silo shows how much of the goal you already have; the chart shows how deposits and interest build it up.

Sources

More from the granary

Four more calculators for setting money aside, each working in your browser.

Questions

What interest rate should I enter?

The rate your own account quotes, as an annual percentage yield, or 0 if the money sits somewhere that pays nothing. The 3% filled in is only an example. Variable rates change, so the result is an estimate; rerun it when your rate moves.

Why is the deposit a little lower with interest?

Each month's interest is added to the balance and earns interest itself, so part of the goal is filled by the account rather than by you. Over two years the effect is small; over ten or twenty years it can be a large share of the total.

Does it include tax on interest?

No. Interest may be taxable depending on where you live and the type of account. If tax applies to you, enter a lower rate to allow for it, or use 0 to see the plan from deposits alone.

Is anything I type saved or sent anywhere?

No. The calculation runs in your browser and the figures are not stored or sent. Only your currency choice and light or dark theme are remembered, in this browser's local storage.