Most calculators ask what you'll end up with. This one runs it in reverse: name the number you want and when you want it, and it tells you exactly how much to invest each month to hit the target.
Your Objective
The Monthly Mission
Set your goal and click Calculate.
A normal compound interest calculator starts with what you can invest and tells you where you'll end up. This one flips the question. You give it the destination — the amount you want and the deadline — and it solves for the monthly contribution that gets you there, assuming a steady return compounded monthly. It's the difference between hoping you'll arrive and knowing the pace you need to keep.
Because every contribution compounds, you rarely have to save the full target yourself. On a long enough timeline, growth covers a large share of the goal — sometimes more than half. That's why the calculator shows two figures: what you actually put in, and what compounding adds on top. The longer your horizon, the more the second number does the heavy lifting.
If the monthly number comes back higher than you can manage, you have three dials: extend the timeline (the most powerful), lower the goal, or increase your starting amount. Chasing a higher return is the tempting fourth dial, but it's the one you don't actually control — and reaching for it usually means taking on more risk than the goal requires.
Once you know your monthly target, the real question is where it comes from. For most people the gap between "can't afford to invest" and "investing every month" is a handful of recurring charges and impulse buys. Hunter Vault is our own app for surfacing exactly that money — tracking your spending, flagging the drains, and freeing up the monthly contribution this calculator just quoted you. We recommend it as its makers, not as a neutral third party.
Hunter Vault logs your real spending, flags the recurring charges you forgot, and turns the money you redirect into XP toward your goals — all offline and private.
Download Hunter Vault FreeThis calculator is for illustration only. It assumes a constant hypothetical annual return compounded monthly; real investment returns vary, are not guaranteed, and can be negative. It does not account for taxes, fees, or inflation. This is not financial or investment advice.