Savings goals
Plan monthly saving for one goal or several household goals. Allocate each existing amount to just one goal.
Understand the numbers · Make life easier
Savings target projection
Compare a future savings target with your starting money and monthly contributions. See both nominal money and purchasing power under your assumptions.
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Ending amount
833,642.45TWD
The return is your assumption. Today's purchasing power adjusts the result for your assumed inflation.
Assumed annual interest rate 0%700,000 TWD
Assumed annual interest rate 3%833,642.45 TWD
Assumed annual interest rate 6%1,001,336.41 TWD
Sensitivity estimates 3 percentage points above and below, not a forecast range.
Months actually calculated120 months
Total principal contributed700,000 TWD
Accumulated interest / gain or loss133,642.45 TWD
Gap to target166,357.55 TWD
Monthly contribution needed (rounded up)6,191 TWD
Today's purchasing power at your assumed inflation rate833,642.45 TWD
Divides the nominal annual interest rate by 12 and compounds monthly. Years are rounded to whole months. Rates 3 percentage points above and below are sensitivity comparisons, not a forecast range. Taxes and fees are excluded. Purchasing power uses your assumed inflation rate.
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Method and scope
The monthly rate is the nominal annual rate divided by 12, and years are rounded to whole months. Compound the starting balance and add the annuity value of contributions; at zero interest, simply add them.
The required monthly contribution is floored at zero and rounded up for display. Today's purchasing power divides the final balance by the assumed inflation factor over the period.
Start-of-month contributions earn one extra month of interest compared with end-of-month contributions. Taxes and fees are excluded, and neither the return nor inflation assumption is a forecast.
What this helps you do
Compare a future savings target with your starting money and monthly contributions. See both nominal money and purchasing power under your assumptions.
What to enter
Start with target balance (twd), then fill the other relevant fields in the units shown. The field hints explain the required format and examples.
How the calculation works
The monthly rate is the nominal annual rate divided by 12, and years are rounded to whole months. Compound the starting balance and add the annuity value of contributions; at zero interest, simply add them.
Worked example
Starting with TWD 20,000 and adding TWD 5,000 monthly for one year at 0% gives TWD 80,000. To reach TWD 92,000 on those assumptions requires TWD 6,000 monthly.
Understanding the answer
The required monthly contribution is floored at zero and rounded up for display. Today's purchasing power divides the final balance by the assumed inflation factor over the period.
Scope and limitations
Start-of-month contributions earn one extra month of interest compared with end-of-month contributions. Taxes and fees are excluded, and neither the return nor inflation assumption is a forecast.