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Updated year criteria 2026
Savings Goals Calculator
The Savings Goals Calculator estimates a date and calendar estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own savings goals figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate the total amount at maturity from the principal, monthly savings and interest rate on the principal with a table of annual amounts.
Calculation results
Total money when target is reached.
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Interest earned.
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All savings.
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Net return.
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Starting money.-
Monthly savings.-
Interest rate-
period-
Annual balance sheet (click to view)
Year
Accumulated savings.
Accrued interest
Total
How to calculate savings targets
Planning to save money to meet your goals requires accurate calculations, considering both principal and monthly savings, interest rates and time periods. This calculator uses the Future Value formula by multiplying monthly principal.
Calculations
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / r
PV = Starting Capital
PMT = Monthly Savings.
r = monthly interest rate (rate per year ÷ 12)
n = total number of months
Calculation example
The principal 100,000 baht Savings per month 5,000 baht Interest 3% per year for the duration of 10 years:
Total savings: 100,000 + (5,000 × 120) = 700,000 baht
Total with interest: approx. 830,000 baht
Interest received: approx. 130,000 baht
Frequently asked questions
What's the formula for savings targets?
Use the Future Value formula: FV = PV×(1+r)^n + PMT×((1+r)^n − 1)/r where r is the monthly interest rate (per year÷12) and n is the number of months. For example, saving 5,000 baht per month at 3% interest per year for 10 years will total about 697,000 baht.
How much should I start saving per month to reach my goal?
Depending on the goal and the period, the general rule is to save at least 20% of income. If you have a start-up and a good return on investment, you may reduce your monthly savings. Use this calculator to find the right figure for your goal.
How does double interest help to reach the goal faster?
Interest doubles the capital, and the money grows in a multiplier way, because the interest you receive each month is added to the capital for the next period's calculation. The longer you deposit, the more the effect is noticeable.
Which account should I choose to save in for the best return?
Special savings accounts and regular deposits pay interest at 1.5-2.5% per year. Money market funds are around 1.5-2%. SSF/RMF funds may yield higher returns than 5-8% in the long term, but they have higher risks. You should spread your investments according to the duration and acceptable risk.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The calculations are estimates only. Actual interest rates may vary according to the terms of the financial institution. They are not financial advice.
English calculator guide
How to use the Savings Goals Calculator
Use this page to test a specific savings goals scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the savings goals estimate instead of relying on a generic example.
Build a baseline savings goals case with figures that match your situation.
Run a second savings goals case after changing the rate, period, quantity or other key assumption.
Record the difference between the two savings goals results and the input responsible for it.
Inputs for the savings goals estimate
For this savings goals calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a date and calendar estimate for your scenario, not a guaranteed provider price or official decision.
How the savings goals result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same savings goals inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a savings goals decision
Confirm any current rate, threshold or provider rule that could change the final amount. For savings goals, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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