Калькулятор экономии
Спланируйте свой сберегательный путь. Подсчитайте, сколько вы можете сэкономить, сколько времени потребуется для достижения вашей цели или сколько вам нужно откладывать ежемесячно.
Ваши данные
Enter your savings details and choose what to calculate (future value, monthly deposit needed, or time to goal). Click Calculate to see your results.
Окончательный баланс
$0.00
Цель достигнута!
Окончательный баланс
$0.00
Общий процент
$0.00
Всего депозитов
$0.00
Период времени
--
Обязательный ежемесячный депозит
$0.00
Рост сбережений с течением времени
Окончательная разбивка баланса
Прогресс экономии
Разбивка по годам
| Год | Депозиты | Интерес | Баланс |
|---|
Полное руководство пользователя
What This Calculator Does
This savings calculator shows how your money grows with compound interest. You can (1) project a future balance from initial savings and monthly deposits, (2) find the monthly deposit needed to reach a goal by a certain date, or (3) find how long it takes to reach a goal with your current savings rate. Interest is compounded at the frequency you choose (daily, monthly, quarterly, or annually).
Режимы расчета
Будущая экономия
Enter initial savings, monthly deposit, rate, and years. See your projected balance and total interest.
Требуется ежемесячный депозит
Enter initial savings, goal amount, rate, and years. Get the required monthly deposit to reach the goal.
Время достичь цели
Enter initial savings, monthly deposit, goal, and rate. See how many years until you reach the goal.
Как использовать
- Choose what you want to calculate (future value, monthly deposit, or time to goal).
- Enter initial savings, and for some modes: monthly deposit, interest rate (APY), years, and/or savings goal.
- Select compound frequency (monthly is common for savings accounts).
- Click Calculate and review the summary cards, growth chart, and year-by-year breakdown.
Compound interest
Each period, interest is earned on the current balance (including past interest). Monthly compounding: rate/12 applied each month. The growth chart shows total balance and total deposits over time; the doughnut shows how much of the final balance came from initial savings, contributions, and interest.
Важные примечания
- Results are estimates. Actual rates and returns vary. This is not financial advice.
- APY (Annual Percentage Yield) is the rate used; it already reflects compounding for the year.
Tips
- Pay yourself first: set up automatic transfers on payday.
- Use high-yield savings accounts for better APY.
- Build an emergency fund (3–6 months of expenses) before focusing on other goals.