Free Investment Calculator
Start from a target amount and find out how much you'd need to invest each month to get there — no signup, nothing sent to a server. Have a fixed monthly amount instead and want the resulting maturity value? Try the Future Value Calculator or the SIP Calculator.
Required monthly investment
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Total you'll invest
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Total returns earned
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How to calculate the investment needed for a goal
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1
Enter your target amount
The total corpus you want to reach.
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2
Enter what you've already saved
Any lump sum currently invested toward this goal.
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3
Enter the expected annual return
A conservative long-term estimate for your investment mix.
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4
Set the time horizon
The required monthly investment updates instantly as you type.
Example use cases
Planning a specific goal
A down payment, a child's education, or any target with a deadline and a number attached.
Checking if you're under-saving
See the monthly amount required and compare it against what you're actually setting aside today.
Deciding how a lump sum changes things
See how adding to your current savings reduces the monthly amount needed.
Frequently asked questions
How is the required monthly investment worked out?
Your current savings are projected forward at the expected return to see how much of the goal they'll cover on their own. Whatever is left is solved for as a monthly contribution using the future-value-of-an-annuity formula.
What if my current savings already cover the goal?
If your current savings, grown at the expected return, already meet or exceed the target, the required monthly investment shows as zero — you're already on track.
Does this account for inflation?
No, the target amount and return you enter are treated as-is. Use the Inflation Calculator first if you want to set a goal in today's purchasing power.
Is my financial information sent to a server?
No. The calculation runs entirely in your browser — nothing is transmitted or logged.