Calculadora de Meta de Ahorro — Fórmula

How to Plan Monthly Savings

This calculator accounts for compound interest on your existing balance and future deposits to determine how much to save each month.

Formula

Monthly Deposit = (Goal - Current x (1+r)^n) / [((1+r)^n - 1) / r]

Where r is the monthly interest rate and n is the number of months.

Ejemplo Resuelto

Save $10,000 in 24 months, starting with $2,000 at 4% annual return.

  1. Monthly rate = 4% / 12 = 0.3333% (0.003333)
  2. Current savings will grow to: $2,000 x (1.003333)^24 = $2,165.57
  3. Remaining needed: $10,000 - $2,165.57 = $7,834.43
  4. Monthly deposit = $7,834.43 / [((1.003333)^24 - 1) / 0.003333] = $314.40
  5. Total deposited = $314.40 x 24 = $7,545.66
  6. Interest earned = $10,000 - $2,000 - $7,545.66 = $454.34