Savings goal planner

Monthly deposit simulation toward a goal: APY interest, months needed, total deposited, and interest earned.

Interest compounds monthly at APY/12; deposits land at each month end. Capped at 100 years.

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How to use

  1. Enter goal amount, monthly deposit, and starting balance.
  2. Optionally add an APY.
  3. Read months to goal and the deposit/interest split.

What it supports

Monthly compounding at APY/12 applied before each deposit; deposits land at month start. If the goal is unreachable within 1,200 months it says so instead of guessing. Currency-agnostic — no FX or tax; money figures display rounded to whole units.

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