Design DrifterWealth Goal Calculator
Find your monthly savings target and see a 50-year investing path.
EverydayTurn a bigger dream into a monthly goal.
No investing knowledge needed. Pick a target, enter what you can save, and see your next step. All amounts are in USD.
Example: starting with USD 0, saving USD 5,000 a month, aiming for one million in 10 years.
Your path to the goal
—USD / month
- At your current pace
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Start with these 3 steps
Check that these savings are set aside for this goal, then choose a new goal to plan for.
Simple mode uses fixed deposits with no returns, inflation or withdrawals. Monthly targets round up to whole USD. The same amount may buy less in the future.
Your numbers stay in this browser calculation and are not uploaded or saved.
What could consistent investing become in 50 years?
Use your current savings and monthly amount above to see how long-term contributions and compounding may change the outcome.
If you are unsure, start with the 7% long-term scenario. Actual returns change every year and losses are possible.
Enter an estimated annual return from 0% to 20%.
- Estimated assets in year 50
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- Your total contributions
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- Estimated investment growth
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Swipe sideways on mobile to see the full table.
| Time | Contributed | Investment growth | Estimated assets | Monthly spending reference |
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The monthly spending reference uses assets × 4% ÷ 12 as a simple illustration. It does not guarantee permanent withdrawals or financial independence.
The path shown here: spend less than you earn, avoid unnecessary debt, consistently save part of your income, invest long term in a low-cost broad-market index fund, and avoid trading on short-term market moves.
This scenario assumes month-end contributions, a fixed return and reinvested gains. It excludes inflation, taxes, fund costs and market volatility. The result is an illustration, not a promised return or investment advice.
Need investment returns, living costs or a home purchase?
Open the advanced calculator. It has separate settings and local storage, independent of the simple plan above.
A deterministic estimate using a fixed return assumption. It is not investment advice, a guarantee, or a retirement safety test.
Your current numbers
Calculation settings
Target method
Life events
Estimate
Target month
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Monthly contribution
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Savings rate
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Current progress
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Target amount
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Contribution scenarios
Assets and target over time
Yearly details
| Year | Assets | Target amount | Net contribution | Investment change |
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No data is sent anywhere. Safety cash is shown for context only. Market volatility, taxes, fees and sequence of returns are not modeled.
About
Choose a target, enter your current savings and monthly contribution, and set a timeline. See how much to save each month, practical next steps, and a 50-year table of contributions and estimated investment growth. Advanced scenarios and all calculations run in your browser.
Choose a target, enter your current savings and monthly contribution, and set a timeline. See a monthly savings target, practical next steps and a 50-year table showing how consistent long-term investing may compound.
What you can do
- Choose a starter goal or enter your own amount, then calculate the monthly savings needed.
- See your monthly gap, progress and next milestone, with concrete actions to get started.
- Compare contributions, estimated investment growth and assets from year 1 through year 50, with an adjustable return assumption.
Common uses
- Plan your first USD 100,000 or first USD 1 million in savings.
- Find out how much to save each month to meet your chosen timeline.
- See what consistent monthly investing could become over 50 years.
Frequently asked questions
What if I do not know my goal yet?
Start with the USD 100,000 preset and adjust it later. You can enter 0 for your current savings or monthly savings if you are just starting out.
Does the simple plan include investment returns?
The monthly target remains a conservative savings-only calculation. The separate 50-year table lets you add a fixed return assumption and compare your contributions with estimated growth. It excludes inflation, taxes, costs and market volatility, and does not guarantee returns or financial independence.