Goal Status
Shows whether your current savings plan is on track to reach your goal. Considers both your existing balance and ongoing monthly contributions.
- ON TRACK: You'll reach or exceed the goal.
- AT RISK: Close but may fall short.
- SHORTFALL: Contributions too low to ever reach the goal at current rates.
Timeline
Estimated number of months to reach your savings goal, assuming consistent monthly contributions and compounding interest.
- Under 12 months: Short-term, very achievable.
- 12–36 months: Medium-term, solid plan.
- 36+ months: Long-term, consider increasing contributions.
Interest Gain
Total compound interest earned over the savings period. This is free money your balance earns passively.
- > 20% of goal: Interest is doing heavy lifting.
- 10–20%: Moderate help from compounding.
- < 10%: Minimal — contributions carry the load.
Higher interest rates and longer timelines compound exponentially.
Monthly Required
The monthly amount you'd need to save to hit your goal within the timeline, given your current balance and interest rate.
- Under 10% of income: Comfortable
- 10–20%: Moderate effort
- Over 20%: Aggressive — consider extending timeline or adjusting goal
Inflation Impact
Inflation erodes purchasing power over time. A goal of $50,000 today may need $57,000+ in three years at 3% inflation to buy the same things.
- 0–2%: Low inflation, minimal erosion
- 2–4%: Moderate, typical range
- 4%+: High — real value drops fast