Investment Goal Calculator
Find out how much to invest each month to reach your financial goal.
Investment growth
Year-by-year breakdown
| Year | Balance (€) | Contributions (€) | Growth (€) |
|---|
Illustrative projection only: returns are not guaranteed. The annual return is an effective rate (the portfolio grows by this percentage over 12 months) and contributions are made at month-end. If inflation is set, the target is understood in today’s money and converted to future money; tax on gains is deducted once at the end on the difference between the balance and contributions, and the goal is met after tax (the chart shows the balance after tax). Both fields default to 0. Fees are excluded.
How the required monthly contribution is calculated
The calculator solves the reverse problem: from your target amount, starting capital, period and expected return it finds the monthly contribution that reaches the goal by the end of the period. If inflation is set, the target is understood in today’s money and converted into future money; if tax on gains is set, the goal is reached after tax. The contribution is rounded up to the cent.
Frequently asked questions
What if the goal is already reached?
Then the required contribution is zero: your starting capital and its projected growth already cover the target.
Why enter inflation?
€100,000 in 20 years will buy less than today. With inflation the calculator raises the target in future money, so the contribution is more realistic.
How accurate is the result?
It is a model with a constant return. Real markets fluctuate, so treat the result as a guide, not a forecast. It is worth testing the goal with a lower return as well.
This information is general and educational and is not investment advice.