Work out vacation fund instantly with clear inputs, formula shown and shareable results.
A holiday fund is a short-horizon goal, so the work is done by the saving amount rather than returns. Expressing the target weekly makes it easier to sustain than a single monthly figure.
Vacation fund
Monthly = (trip cost - existing savings grown) / annuity factor
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Borrowing for consumption at card rates can add a fifth to the cost. Saving ahead is materially cheaper.
Flights, accommodation, local transport, food, activities, insurance and a contingency of at least 10%.