Savings Goal Calculator

Time depends on three levers

How fast you reach a savings target comes down to your starting balance, how much you add each month, and any return the balance earns. This calculator combines all three and tells you how long the goal will take — or flags when contributions are too small to ever get there.

For freelancers, a savings goal is often a tax reserve or a runway buffer. Treating it as a fixed monthly transfer, like a bill, is what makes it happen.

Small monthly amounts compound

Even a modest return meaningfully shortens the time to a large goal, because each month's interest joins the balance and earns its own return. The earlier you start, the more the compounding does the work for you.