Plan your path to a major financial milestone — an emergency fund, home down payment, wedding, or dream vacation. Enter your target amount, existing balance, deadline, and expected return rate.
The calculator reverse-engineers compound growth to determine the exact monthly contribution required, illustrating how much comes from your paycheck versus investment gains.
Frequently asked questions
How does expected return lower monthly savings?
Investment returns compound over time, meaning compound interest shoulders part of the financial target instead of purely out-of-pocket savings.
What return rate should I use for short horizons?
For goals within 1–3 years, use conservative rates (2–4%) like money market or high-yield savings accounts.
中文说明
为购房首付、应急备用金、子女教育或愿望基金设定清晰的达成路径。输入目标金额、现有存款、计划年限与预期投资收益率。
计算器逆向求解复利模型，精准算出每月需存入的定投金额，并直观呈现个人自存本金与复合收益的各自贡献占比。
常见问题
为什么收益率能减少每月需存金额？
投资收益在持有期间持续复利滚存，利息为你承担了相当一部分目标总额，减轻了自筹本金的压力。
短期目标建议按多高收益率计算？
1~3 年的短期目标建议按货币基金或高流动性存款收益率（2%~4%）保守估算，避免资本波动风险。