Investment goal calculator: how much to invest every month.
Set a target and a timeline and see the monthly amount it takes to get there — or flip it around and see how long your current monthly investment needs.
Investment goal calculator
How to use this calculator
- Enter your goal amount and what you already have invested toward it.
- Pick a mode: solve for the monthly amount, or solve for how long it takes.
- Set your timeline or your monthly investment, plus the return you expect.
- Adjust the timeline until the monthly number is one you'll actually keep up with every month.
What this assumes
- Contributions are made monthly and returns compound over the timeline at a steady rate.
- No taxes, fees or inflation are applied.
- Real returns vary year to year. Treat the result as a target to aim at, not a guarantee.
Common questions
How much do I need to invest each month to reach my goal?
That depends on three things: how much you already have invested, how many years you have, and the return you assume. Enter those and the calculator solves for the monthly amount.
What if the monthly number is too high?
Extend the timeline first — time does more work than willpower. If the goal is fixed, lower the target or raise the amount you start with. Switch to the second mode to see how long your realistic monthly amount actually takes.
What return should I assume?
For a goal ten or more years away, many people model 6 to 8 percent for a diversified stock portfolio. For a goal within three years, assume something close to a savings rate — money you need soon shouldn't be in the market.
Does this account for inflation?
No. If your goal is far out, add a bit to the target to account for prices rising, or subtract about 2 to 3 percent from your assumed return to see the result in today's dollars.
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Need help turning the numbers into a plan?
The calculator shows you the numbers. The Financial Clarity Intensive helps you decide what to do with them.