Calculadora de Meta de Poupança
Descubra quanto você precisa economizar por mês para atingir sua meta financeira no prazo desejado.
Monthly Deposit Needed
$314.07
Monthly Deposit Needed vs Months to Goal
Formula
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.
Exemplo Resolvido
Save $10,000 in 24 months, starting with $2,000 at 4% annual return.
- 01Monthly rate = 4% / 12 = 0.3333% (0.003333)
- 02Current savings will grow to: $2,000 x (1.003333)^24 = $2,165.57
- 03Remaining needed: $10,000 - $2,165.57 = $7,834.43
- 04Monthly deposit = $7,834.43 / [((1.003333)^24 - 1) / 0.003333] = $314.40
- 05Total deposited = $314.40 x 24 = $7,545.66
- 06Interest earned = $10,000 - $2,000 - $7,545.66 = $454.34
Perguntas Frequentes
Where should I keep my savings?
For short-term goals (under 2 years), a high-yield savings account or money market account is safest. For longer goals, consider CDs or conservative investments.
What if I cannot save the required amount?
Extend the timeline, increase your income, reduce expenses, or lower the goal. Even saving a little less each month gets you closer.
Should I include emergency fund savings?
Keep your emergency fund (3-6 months of expenses) separate from specific savings goals. Do not count it toward your target.
Aprender