Enter your goal, your timeline, and what you already have saved. We will work out the monthly contribution you need to get there, and show you how investment returns could help.
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Savings Goal Calculator
Two ways to use this tool
Work backwards from a goal to find your monthly savings target, or enter what you can save and see when you will get there.
Find your monthly target
Enter your goal and timeline. We will calculate the monthly contribution needed.
Quick goals
Savings goal $50,000
$1,000$500,000
Already saved $5,000
$0$200,000
Time to reach goal 3 years
1 year30 years
Monthly savings amount $1,000
$50$10,000
Expected annual return 4.5%
0% (cash)12%
Returns are not guaranteed. Higher return estimates carry higher investment risk. This tool is for educational purposes and does not constitute financial advice.
Monthly savings needed
$0/mo
Adjust your inputs to see your personalised savings target.
$0
Total you contribute
$0
Growth from returns
$0
Final balance
Breakdown
Already saved$0
Additional contributions$0
Investment returns$0
Final balance$0
Savings progress over time
Balance with returns
Contributions only (no returns)
Your goal
What if you saved a different amount each month?
Monthly saving
Time to goal
Total contributed
Returns earned
Reality check
Adjust your inputs to see a personalised assessment.
How returns work in this calculator
Returns are applied monthly to your growing balance. A 4.5% annual return is approximately 0.375% per month. Higher return rates reflect a greater proportion of investment assets (shares, ETFs) vs cash savings. Past returns are not a reliable indicator of future performance. Consider speaking with a licensed financial adviser about the right approach for your situation.
Want to put this into action?
Learn the investing fundamentals
Our Learning Hub covers everything from what investing actually is, to how to choose a super fund, to the difference between ETFs and managed funds. A good next step once you have your savings goal in mind.