Savings goal calculator
What you need to put aside each month to reach a target — priced at what that target will actually cost by the time you get there.
Last checked 20 July 2026 · free, no sign-up
The tile most goal calculators hide
Ask for a Rs 5,000,000 goal in ten years and most calculators solve for Rs 5,000,000. That is the wrong target. Whatever you are saving for — a house deposit, a wedding, university fees — will cost more in ten years than it does today, and the plan has to be built against that larger number.
At Pakistan's latest reported CPI of 11.1% (macro layer, 2026-07-24), a decade roughly doubles a price. The second tile above shows what your goal actually costs at the finish line. It is usually the number that changes someone's plan.
When the monthly figure looks impossible
It often does, and that is useful information rather than a reason to fiddle with the inputs until it looks achievable. There are only three real levers:
- More time — the most powerful, because compounding needs years.
- A smaller goal — unglamorous, and frequently the correct answer.
- More per month — direct, and limited by what you actually earn.
Raising the assumed return is the fourth lever and the dishonest one. You do not get to choose your return. Setting it to 25% makes the screen agree with you and changes nothing about what the market will pay.
FAQ
Common questions
Why is the goal amount higher than what I entered?
Because a goal priced in today's rupees costs more by the time you get there. A Rs 5,000,000 target ten years out is not a Rs 5,000,000 problem — it is whatever that buys at the time. The second tile is the number to plan against.
The monthly figure looks impossible. What now?
The honest levers are a longer horizon or a smaller goal. Raising the assumed return is the lever that makes the arithmetic work on screen and fails in reality, because you cannot choose your return — you can only choose your risk.
Does it account for money I already have?
Yes. Existing savings are compounded forward at the same assumed return and subtracted from what you need, so the monthly figure is only the shortfall.
Should I use this for a house deposit?
It works for any fixed-sum goal. For a house specifically, remember property prices have their own inflation that can differ sharply from CPI, so consider setting the inflation input to reflect property rather than the general basket.
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