Turn a target and a timeline into a single monthly number: what a goal actually costs per month, given what you've already saved and what your money might earn along the way.
The whole idea
A goal with no monthly number attached is a wish.
Zero percent is the honest choice for a goal under two or three years, or one held in cash, since markets don’t owe you a return on that timeline. A longer goal can reasonably use a modest assumed return, since the contributions have time to compound.
Common mistake
Using an optimistic return for a near-term goal
A goal two years away sitting in volatile assets can lose value right when you need it. Keep the return assumption honest for the timeline.
Worth knowing
If the goal is actually retirement
The FIRE calculator is built specifically for that version of this question.
Multiple goals at once? NetWorth+ tracks each one separately and flags when any of them drift off pace.
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