储蓄目标计算器
规划每月需要存多少钱才能达到您的储蓄目标。
Monthly Deposit Needed
$314.07
Monthly Deposit Needed vs Months to Goal
公式
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.
计算示例
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
常见问题
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.
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