GROWTH & INVESTING
Investment Goal / Required Contribution Calculator
Find the monthly contribution needed for a hypothetical target.
Your result
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How to use this calculator
Adjust the inputs to your own scenario, then review the result alongside the assumptions below. The $ symbol is a currency label; the tool does not convert exchange rates.
Worked example
At 0% return, $10,000 initial capital and a $22,000 goal in 10 years need $100 monthly.
The formula
Monthly contribution = (goal − initial × (1 + monthly rate)^months) ÷ annuity factor; annuity factor = ((1 + monthly rate)^months − 1) ÷ monthly rate.
What the result means
Compare the output with the stated assumptions. Changing an input changes the arithmetic; it does not establish how a real trade or investment will perform.
Assumptions and limitations
End-of-month deposits, constant effective annual return, no costs or taxes. Required contribution is zero if initial capital already meets the modeled target.
Common questions
What does this calculation include?
End-of-month deposits, constant effective annual return, no costs or taxes. Required contribution is zero if initial capital already meets the modeled target.
Are the example inputs recommendations?
No. The defaults are worked examples. Enter values appropriate to your own calculation; outputs are estimates rather than forecasts.
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Open calculator →Educational calculations, not a forecast or personalized investment advice. Your inputs are used locally for the calculation and are not submitted by this tool.