Investing3 min

Investment Goal Calculator

Calculate how much to invest monthly to reach a specific financial goal by a target date.

Free • Accurate • Instant Results

Investment Goal Inputs

$
$
%
Years

Monthly Investment Needed

🎯

$311

Goal Amount

🏆

$100,000

Current Savings Grows To

📈

$43,178

Remaining Gap

📊

$56,822

Growth Over Time

🤖

AI Insights

Personalized analysis based on your inputs

💡

Goal Progress

You're 20.0% of the way to your $100,000 goal with current savings alone.

📅 Future Projections

YearTotal ValueContributionsGrowthReal Value
2031$217,332$160,000$57,332$187,473
2036$389,731$220,000$169,731$289,997
2036$389,731$220,000$169,731$289,997
2036$389,731$220,000$169,731$289,997
2036$389,731$220,000$169,731$289,997
2036$389,731$220,000$169,731$289,997
2036$389,731$220,000$169,731$289,997

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Formula Used

Goal-Based Monthly Investment

PMT = (Goal − FV of Current Savings) × r / [(1+r)^n − 1]

Variables

Goal= Target investment amount

Example

$100,000 goal, $20,000 current, 8% return, 10 years: ~$370/month needed

Frequently Asked Questions

Consider extending your timeline, increasing your expected return (with more risk), or starting with what you can afford and increasing contributions over time.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.