Calculate how much to save each month to reach a savings goal by a date, or how long a monthly deposit takes to get there, with interest.
Mis à jour Exemples vérifiés : 6
Put aside $662.08 a month for 5 years to reach $50,000.00: $5,000.00 you already have, $39,724.61 of new deposits and $5,275.39 of interest.
| Année | Deposits | Intérêts | Solde |
|---|---|---|---|
| 1 | $7,944.92 | $351.00 | $13,295.92 |
| 2 | $7,944.92 | $688.98 | $21,929.82 |
| 3 | $7,944.92 | $1,040.74 | $30,915.49 |
| 4 | $7,944.92 | $1,406.83 | $40,267.24 |
| 5 | $7,944.92 | $1,787.84 | $50,000.00 |
The denominator is the value of 60 deposits of 1.
The monthly deposit needed is what closes the gap between the goal and what your current savings will grow to: C = (G − S(1 + i)^n) ÷ (((1 + i)^n − 1) ÷ i), where G is the goal, S the amount already saved, i the monthly rate and n the number of months. In the other mode, the number of months comes from logarithms of the same equation and is rounded up to the month in which the goal is reached.
With the defaults, reaching 50,000 in 5 years from 5,000 already saved at 4% a year takes 662.08 a month. The 60 deposits add up to 39,724.61, and interest supplies the remaining 5,275.39 on top of the 5,000 you started with.
Interest is compounded monthly at a fixed rate, with deposits at the end of each month unless you choose the start under More options. Tax on interest and changes in the rate are not included.
Source de vérification : Python decimal: (50000 − 5000·(1+0.04/12)^60) / (((1+i)^60 − 1)/i) = 662.0768…; same as Excel =PMT(4%/12,60,-5000,50000)
Source de vérification : Python decimal, annuity-due factor: 659.8772…
Source de vérification : 12000 / 12 by definition
Source de vérification : Starting balance exceeds the goal, so no deposit is needed
Subtract what your current savings will grow to from the goal, then divide by the annuity factor ((1 + i)^n − 1) ÷ i. To reach 50,000 in 5 years from 5,000 at 4% compounded monthly, you need 662.08 a month; Excel's =PMT(4%/12, 60, -5000, 50000) gives the same. With no interest the same goal takes (50,000 − 5,000) ÷ 60 = 750 a month.
Solve the savings equation for the number of months and round up. Starting from 5,000 and saving 500 a month at 4%, the balance first passes 50,000 in month 77, after 6 years 5 months; raising the deposit to 750 cuts that to 54 months. Excel's NPER function solves the same equation.
More the longer the horizon. Over 5 years, 4% interest cuts the deposit needed for 50,000 from 750 to 662.08 a month, and 5% cuts it to 640.87. Over 10 years at 4%, the deposit falls to 288.94 a month and interest supplies 10,327.63 of the 50,000.
Slightly: a deposit made at the start of the month earns one extra month of interest. For 50,000 in 5 years from 5,000 at 4%, the deposit needed is 659.88 at the start of each month against 662.08 at the end, a difference of 2.20 a month.
La précision dépend de vos données et des hypothèses de la méthode. Le calcul décimal utilise 50 chiffres significatifs, mais les estimations, méthodes numériques et données sources peuvent être moins précises ; l’arrondi affiché ne supprime pas ces limites. Exemples résolus vérifiés à partir de sources indépendantes : 6. Par exemple, « 50,000 in 5 years from 5,000 at 4% » est vérifié à l’aide de Python decimal: (50000 − 5000·(1+0.04/12)^60) / (((1+i)^60 − 1)/i) = 662.0768…; same as Excel =PMT(4%/12,60,-5000,50000).
Microsoft Excel PMT function; Microsoft Excel NPER function.
Pour la planification uniquement. Prêteurs, administrations fiscales et marchés appliquent leurs propres arrondis, frais et règles ; confirmez les chiffres auprès d’eux avant de vous engager.
Ce calculateur comprend 6 exemples résolus dont les réponses proviennent de sources indépendantes. Ils font partie de la suite de tests et peuvent aussi être exécutés ici.
Estimez la valeur à échéance d’un SIP mensuel en fonds commun de placement, avec hausse annuelle facultative, ou le versement nécessaire pour atteindre un objectif.
Calculez la valeur future d’un dépôt avec des versements réguliers, pour toute fréquence de capitalisation, y compris quotidienne et continue.
Solve for the future value, present value, interest rate or time of a lump sum from the other three, with any compounding, including continuous.
Calculate how much you need to retire on inflation-adjusted expenses, the monthly saving that gets you there, and how the money runs down.
Calculate simple interest (I = P × r × t) and the maturity amount on a principal for a term in years, months or days.
Calculate what a purchase will cost after inflation, what your money will still buy, and your real return after inflation.