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Savings Calculator

حاسبة الادخار

Plan your savings: see what a fixed monthly deposit adds up to, or how much you need to save each month to hit a goal on time.

Calculated in your browser. Your data is never sent to a server.

What do you want to find?
%

Result

Enter the amounts and period.

Whether you're saving for a down payment, a car or an emergency fund, turning the goal into a clear monthly amount is the key step. The tool works both ways: from deposit to result, and from goal to required deposit.

If your savings earn nothing, leave the return at 0%.

How it works

  1. Deposits are assumed at the end of each month, with monthly compounding.
  2. Future value = growth of current savings + growth of monthly deposits.
  3. The required deposit inverts the formula: (goal − grown current savings) ÷ deposit factor.

Formulas

  • FV = P × (1+i)^n + D × ((1+i)^n − 1) ÷ i
  • Required D = (goal − P × (1+i)^n) × i ÷ ((1+i)^n − 1)
  • i = annual return ÷ 12, n = months

Worked examples

100 a month at 6% for 10 years

You deposit 12,000 and end with 16,387.93, so growth is 4,387.93.

A 50,000 goal in 4 years with no return

You need to save 50,000 ÷ 48 ≈ 1,041.67 a month.

Frequently asked questions

How is this different from the compound interest calculator?

This tool is built for monthly-deposit planning and can solve for the deposit needed. The compound interest calculator offers other compounding frequencies and deposit timing.

Should I include a return?

For a current account, leave it at zero. For invested money, use a conservative estimate.

Do you store my goals?

No, everything stays in your browser.

Content last reviewed: November 1, 2026