Work out how much to set aside per day, week, and month to hit a savings goal by your target date. Free, private, no signup — runs in your browser.
What you're saving toward.
Your current balance toward this goal.
When you want to reach the goal by.
Reaching a savings target isn't a willpower problem — it's an arithmetic one. The formula is the same one a financial planner would scribble on a napkin: take the amount you still need, divide by the time you have, and you get the deposit per period.
Concretely, remaining = goal − already saved, and then per-period deposit = remaining ÷ periods left. This calculator works out the days, weeks, and months between today and your target date and shows all three cadences side by side. It deliberately assumes zero interest, so the figure is a safe floor — if your money sits in a high-yield savings account, you'll get there a little early.
Seeing the number broken down by day is what makes a big goal feel possible. "Save $3,800 by December" is intimidating; "set aside about $21 a day — roughly four $5 coffees" is a decision you can actually make. That reframing is the whole point of the "that's like skipping" line under your result.
The hardest part isn't the math — it's doing it every single day without forgetting. That's where a habit tracker earns its keep: set a recurring "transfer to savings" habit in HabitBox, tap to check it off each day or each payday, and watch the streak grow. HabitBox is free, works offline on iOS and Android, keeps your data on-device, and needs no account — so the cue does the work and the goal takes care of itself.
It takes the money you still need (your goal amount minus what you've already saved), then divides it by the time left until your target date. The result is the deposit you'd need to set aside each day, week, and month to land exactly on your goal — assuming no interest, which keeps the number conservative.
No — by design. This is a plain, no-interest plan, so the numbers are a safe floor. If you keep your savings in a high-yield account or invest it, interest works in your favor and you'll likely reach the goal a little early. For aggressive growth assumptions, a compound-interest calculator is the better fit.
The tool will flag it and ask you to pick a future date. Days remaining must be at least one for a per-day deposit to make sense. If you've already hit or exceeded your goal amount, it celebrates that instead of showing deposits.
Whatever matches your income rhythm. If you're paid monthly, a single monthly transfer is simplest. If you want savings to feel like a habit, a small daily or weekly amount is easier to stay consistent with and easier to track as a streak. All three columns add up to the same total.
Yes. It runs entirely in your browser — nothing you type is sent anywhere or stored on a server. There's no account, no signup, and no tracking of your numbers.
Knowing your number is step one. Actually transferring it — every day or every payday — is what gets you to the goal. HabitBox lets you set a recurring savings habit, tap to log it in one move, and keep the streak alive. Free, on-device, no account.
Free · Local-only data · No account required