Global Araç
Savings Goal Calculator
Gerekli aylık yatırım
$776
12 ay sonra %4 APY ile yaklaşık ~$9,807 birikiminiz olur.
A free savings goal calculator that works the other direction: tell it what you want and when, and it tells you what monthly deposit gets you there. Accounts for your starting balance and your high-yield savings APY.
Useful for short-term goals: a down payment, a wedding, an emergency fund, a trip. For money you’ll need in under 5 years, a high-yield savings account beats investing — you want low volatility, not maximum return. See our emergency fund guide.
Nasıl Kullanılır
- Enter your goal amount and timeline in months.
- Enter your starting balance (can be 0).
- Enter your HYSA APY (4% is typical in 2026).
- Read the required monthly deposit to reach the goal.
Sık Sorulan Sorular
Where should I park my savings while building to a goal?
A high-yield savings account (HYSA) from an online bank currently pays around 4 percent APY. That's $200/year per $5,000 saved — meaningful and fully liquid. Avoid locking short-term savings in CDs or the market.
Should I include employer 401(k) match in my savings rate?
For this calculator, keep 401(k) separate — those funds aren't accessible for emergencies or short-term goals. Track them as retirement progress instead.
What if I can't afford the required monthly deposit?
Push the target date out by three months, or reduce the goal by 10 percent, and rerun. Small adjustments compound — six extra months of savings on a five-year goal only cost a rounding error in lifestyle.