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Enter your target amount, time frame, current savings, and expected annual return to work out how much you need to save each month. Shows both the compound-based figure and the 0% simple-saving amount.

Last updated: 2026/10/16 Finance Feedback & bug reports
Enter Your Conditions
JPY
Target amount must be 1 or more
JPY
150
years
Time frame must be between 1 and 50 years
0%15%
%
Required Monthly Saving
-
An estimate assuming contributions are made at the end of each month with monthly compounding.
Your current savings and expected return alone reach the goal. No additional monthly saving is needed.
Monthly Saving at 0% Return
-
Total Contributions
-
Total Earnings (Interest)
-
Yearly Breakdown
Year Annual Contribution Annual Earnings End Balance

Formula Used

Monthly = (Target - Current × (1+r)n) ÷ { ((1+r)n - 1) ÷ r }

r: monthly rate (annual rate ÷ 12), n: total months (years × 12). When the return is 0%, it simplifies to (Target - Current) ÷ total months.

* This tool is an approximate simulation provided for general information only and does not recommend or advise on any specific financial product or investment strategy. Actual results vary with market conditions and may result in loss of principal. Taxes and fees are not included. Make investment decisions at your own responsibility.

How to Use

1

Enter Target and Time Frame

Enter the amount you want to save and the number of years to reach it. Toggle "Input in 10,000 JPY" to enter values quickly in units of 10,000.

2

Set Current Savings and Return

Use the sliders to set how much you already have and the annual return you expect from investing. Leave the return at 0% if you only use bank savings.

3

Check the Monthly Saving

The required monthly saving appears automatically. Compare the compound-based figure with the 0% simple-saving amount.

About the Savings Goal Calculator

A web tool that reverse-calculates how much you need to save each month to reach a goal such as "save X by Y years from now". It factors in your current savings and an expected annual return to produce a compound-based monthly figure, and also shows the 0% (savings-only) simple amount so you can intuitively compare the effect of investing. All calculations run in your browser, and your figures are never sent to any server.

Features

  • Reverse-calculate monthly savingJust enter your target, time frame, and current savings to instantly see how much to save each month.
  • Compound and simple side by sideShows both the compound-based amount reflecting your expected return and the 0% simple-saving figure at once.
  • Visual yearly breakdownSee annual contributions, earnings, and balance in a table so you can picture the path to your goal.
  • Privacy protectedAll calculations run in your browser. Your amounts and savings are never sent to any server.

Use Cases

  • Monthly saving to gather a 5M JPY home down payment in 5 years
  • Planning 10M JPY of education funds over 18 years
  • Simulating savings toward 20M JPY in retirement funds
  • Goal-based saving for a wedding, travel, and more
  • Setting a monthly target for NISA or regular investing

FAQ

How is the monthly saving calculated?
It uses the annuity formula assuming contributions at the end of each month with monthly compounding (annual rate ÷ 12). The growth of your current savings at the same rate is subtracted first. At 0% return it simplifies to (Target - Current) ÷ total months.
What return rate should I use?
There is no single right answer. Bank savings are around 0%, bonds roughly 1-3%, and long-term stock index averages are often cited around 3-7%. These are assumptions for estimation only and do not guarantee future returns.
Why is the 0% simple-saving amount also shown?
So you can compare the effect of investing at a glance. A higher assumed return lowers the monthly amount, but investing carries the risk of losing principal. Treat the 0% figure as a guide for saving with certainty.
Are my results saved anywhere?
No. All amounts and results are processed only within your browser and are never sent to or stored on any server.
Is this result financial advice?
No. This tool is an approximate simulation for general information only and is not a recommendation of any financial product or investment advice. Taxes and fees are excluded. Investing can lose principal, so make the final decision at your own responsibility and consult a professional if needed.

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Planning Savings From a Goal: How Much to Save Monthly, With Compounding Learn how to work backward from "how much by when" to the monthly amount you need to save: a simple division estimate, calculating with a return (compounding), how to set return assumptions, and tips for realistic goals. General information, not investment advice.