Investment Goal
Find the monthly investing amount to reach a target portfolio value.
About Investment Goal
The current value compounds to its future size first, then the monthly deposit needed to reach the target in time is solved from the annuity formula. Knowing the required monthly number upfront turns a distant target into an actionable recurring payment instead of a hope.
Formula
Investment Goal
Solve (1+i)^n for the growth, then the deposit that fills the remaining gap
- i
- Monthly return from the annual rate divided by 12
- n
- Months to the goal
Worked example
With the default values below, Investment Goal returns Needed Monthly of $404. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Target amountminimum 1
- 100,000
- Current valueminimum 0
- 15,000
- Annual returnaccepts 0–30 %
- 7 %
- Years to goalminimum 1 years
- 10 years
Results
- Needed Monthly
- $404
- Projected Value
- $100,000
- Growth Earnings
- $36,569
Step by step
- 1Values used
- 2Investment Goal
- 3Needed Monthly= 404
- 4Projected Value= 100,000
- 5Growth Earnings= 36,569
Assumptions and limits
- The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or fees or charges into account.
- Figures are rounded for display to whole numbers, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Frequently Asked Questions
How is Investment Goal calculated?
Solve (1+i)^n for the growth, then the deposit that fills the remaining gap The current value compounds to its future size first, then the monthly deposit needed to reach the target in time is solved from the annuity formula.
Why does Investment Goal matter?
Knowing the required monthly number upfront turns a distant target into an actionable recurring payment instead of a hope.
What values do I need to enter?
This calculator takes 4 inputs: Target amount, Current value, Annual return, Years to goal. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.