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What does your goal cost a month?

Most goal calculators stop at the cash total on the screen. This one also works out what it takes to hit the same spending power in today’s money, which is usually a larger monthly figure. You can opt into a reminder email if you want one.

Your goal

In today's money. We inflate the target to the date you choose.

9 years 11 months from now.

Leave at zero if you are starting from nothing.

Assumptions

Assumed growth and inflation only. No return is promised, and nothing here counts as a recommendation.

£878 a month to reach it in today's money.

What the goal costs

9 years 11 months

A month, in today's money

£878

To have £100,000 of today's spending power on that date, you need a balance of £134,061, because £100,000 then is not £100,000 now.

A month, to reach the number in cash
£655
What most goal calculators quote.
What the target is actually worth then
£134,061
Paid in over the whole term
£104,447

Inflation keeps running while you save, so the monthly figure in today's money and the cash target diverge. The first row is the one that matches spending power on the date you picked. The second is the headline number most calculators quote.

Optional

Want reminding?

We can store the goal and email you when a check-in is due, with what you wanted and how the maths looks now. Follow the link to log progress, or ignore the email. No account, no password.

Saving a goal does not join the newsletter. That is a separate tick box. What we store

Save this goal and be reminded

Your label, echoed back in the email. Nobody else reads it.

How often

Fill in a target and a date above first.

What this does and does not do

It does arithmetic. Given a target, a date and two assumptions, there is exactly one monthly figure that gets you there, and this works it out with the same engine that runs the projection calculator. A test feeds every answer back through that engine and fails the build if the two ever disagree.

It does not tell you where to put the money, what to buy, or whether the goal is a good idea. Those are advice, and advice about investments is a regulated activity we are not authorised to give. If you want it, speak to someone regulated by the Financial Conduct Authority, and our workings are published so they can check what we did.

The growth and inflation rates are assumptions you choose and can change. Nobody promises a rate of return, and a reminder from us is a note about your own figures, not a recommendation to act.

The Swealth letter

One letter a week, on Thursday

Plain writing about British money, and the UK Wealth Blueprint to start with.