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What does your goal cost a month?

Most goal calculators tell you what it takes to make the screen say a number. This one also tells you what it takes to reach what that number is worth today, which is a different and larger figure. Then, if you want, it will ask you how it is going.

Your goal

In today's money. We work out what that is worth on the date you pick.

9 years 11 months from now.

Leave at zero if you are starting from nothing.

Assumptions

Both are assumptions, not forecasts. Nothing here is a recommendation, and no rate of return is promised by anybody.

£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 every other goal calculator will tell you.
What the target is actually worth then
£134,061
Paid in over the whole term
£104,447

The two figures differ because inflation does not stop while you save. The first is the one worth acting on; the second is the one that looks better.

Optional

Want reminding?

We will keep the goal and email you when a check-in is due, with what you said you wanted and what the figures say now. You can tell us where you have got to, or ignore it. One link, no account, no password.

Setting a goal does not put you on the newsletter — that is a separate decision and a separate box. What we store

Save this goal and be reminded

Your words, read back to you in the email. Nothing reads it but you.

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.