Interactive tool

Savings Milestone Calculator

Enter your survival budget and current savings to see your four milestone targets in real dollars — and exactly how long it will take to reach each stage at your current saving rate.

1
Your monthly survival budget
The bare-minimum cost of running your life — used to calculate each milestone target. From Week 1, Day 5.
$
Essential expenses only. Use the Survival Budget Builder if you haven't calculated this yet.
2
Your current savings balance
Money already set aside — not locked up in debt repayments or earmarked for something specific. Enter $0 if starting from scratch.
$
You may already be closer to a milestone than you think — check your savings account balance.
3
Monthly amount available to save
From today's calculation: discretionary space (Week 1) minus debt acceleration (Week 2). A small, consistent amount is a real number.
$
If you have no debt, use your full discretionary space. Leave blank to just see your targets without a timeline.