Future goals
Work backward from a goal and a deadline to a monthly amount.
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EXPLORE YOUR NUMBERS
Work backward from a goal and a deadline to a monthly amount.
Monthly contribution = max(0, goal − saved) ÷ months remaining.
Assumes equal end-of-month contributions, no interest, no withdrawals, and a whole number of months. Rounded currency displays may leave a small final adjustment.
BEFORE YOU BEGIN
Estimates are enough to explore. Keep every money amount in the same selected currency.
The full cost of one goal.
Money already set aside for that goal.
A deadline expressed in complete months.
MAKE THE RESULT USEFUL
Start with a goal and a realistic time horizon, then compare the required contribution with your monthly budget. Changing the deadline changes the arithmetic, not what your budget can support.
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TRY ANOTHER SCENARIO
Give the same goal a few more months and compare the required monthly contribution. Then compare that amount with the unallocated money in your budget.
Return to your numbersChanging inputs here does not send them to Matt or save them between visits.
A FEW THINGS YOU MAY BE WONDERING
The remaining monthly contribution is zero. The calculator does not treat any excess savings as a new expense or require you to save them again.
If money is still needed, the model needs at least one month over which to spread contributions. It cannot make a future contribution plan for a deadline of today.
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