Calculadora objetivo de ahorro
Descubre cuánto debes ahorrar cada mes o año para alcanzar tu meta de ahorro.
| Año | Depósito | Interés | Saldo Final |
|---|---|---|---|
| 1 | 91.212,85 € | 3137,75 € | 94.350,60 € |
| 2 | 71.212,85 € | 7598,79 € | 173.162,23 € |
| 3 | 71.212,85 € | 12.327,49 € | 256.702,57 € |
| 4 | 71.212,85 € | 17.339,91 € | 345.255,32 € |
| 5 | 71.212,85 € | 22.653,07 € | 439.121,24 € |
| 6 | 71.212,85 € | 28.285,03 € | 538.619,11 € |
| 7 | 71.212,85 € | 34.254,90 € | 644.086,86 € |
| 8 | 71.212,85 € | 40.582,96 € | 755.882,67 € |
| 9 | 71.212,85 € | 47.290,71 € | 874.386,23 € |
| 10 | 71.212,85 € | 54.400,92 € | 1.000.000,00 € |
aria.chart.lineChartSummary
What Is a Savings Goal Calculator?
A savings goal calculator helps you determine how much you need to save regularly in order to reach a target amount by a specific date. It's ideal for setting goals like a vacation fund, emergency savings, or down payment.
Why Use a Savings Goal Calculator?
- Turn long-term goals into achievable plans
- Calculate exact contribution needed per month
- Adjust for inflation, interest, and contribution timing
- Stay accountable with clear targets
How Does It Work?
The calculator uses your savings goal, interest rate, time horizon, and contribution timing to calculate the required periodic contribution.
- Goal Amount: The future target you want to reach
- Interest Rate: Growth earned on your savings
- Contribution Timing: Whether you contribute at the beginning or end of each period
How Is the Required Contribution Calculated?
- Future goal amount
- Years and months until the goal
- Compounding frequency and contribution timing
- Annual interest rate (adjusted for compounding)
- Inflation or tax adjustments (optional)
Example Calculation
If you want to save 1.000.000,00 € in years, with a 6% interest rate and monthly contributions at the beginning of each month, you need to save approximately 5934,40 € per month.
Savings Goal Calculator Pros and Cons
| Pros | Cons |
|---|---|
| Helps break large goals into actionable steps | Assumes consistent interest and deposits |
| Adjustable for inflation and compound frequency | Results are estimates, not guarantees |
| Encourages goal-based financial planning | Does not account for market fluctuations |
Frequently Asked Questions
They’re accurate based on inputs, but it's important to review and update your plan if your income or expenses change.
You may need to increase future contributions or extend your timeline to stay on track.
Yes. Increase your contribution amount or frequency, or find savings vehicles with higher interest rates.
Inflation reduces purchasing power, so adjusting helps ensure your savings meet real future needs.