See Your Savings Future Clearly
Building savings isn’t just about wishing for more —it’s about seeing the path and making smart moves along the way. The Savings Forecast Planner helps you do just that: plug in your real numbers, test real scenarios, and watch your savings story unfold. It’s not about luxury. It’s about security, progress, and knowing you’re moving in the right direction.
A Clear Forecast Built in Three Steps
With our Savings Forecast Calculator, you’ll build a personalized projection of how your savings, investments, and retirement accounts can grow — including salary growth, inflation adjustment, and spouse inputs if you’re married.
Let’s walk through the three easy steps to use it.
Step 1 – Enter Your Current Financial Snapshot
Enter your current balances, monthly savings, and basic account details like APY and tax rate. These numbers form the foundation of your forecast, grounding every projection in your real financial situation rather than an estimate.
Step 2 – Add Growth and Contributions
Input your salary, expected raises, retirement contributions, and investment growth rates. The planner uses these to project how your income and assets evolve together, showing the long-term power of steady saving and compounding.
Step 3 – Choose Your Timeline and View Results
Select how many years to forecast and whether to adjust for inflation. Then click “Calculate Forecast” to see your personalized growth chart and milestone table, helping you test different scenarios and track progress with confidence.
How To Use The Calculator
Real-Time Projections.
Enter your current savings, brokerage, and retirement balances along with your planned contributions. The planner instantly shows how your total balances could grow over time.
Flexible Assumptions.
Control factors such as interest rates, investment growth, salary increases, and inflation adjustments to reflect your personal situation and evolving plans.
Scenario Testing.
Adjust inputs like salary, contribution amounts, and growth rates to see how different choices impact your projected balances. Compare multiple scenarios.
Dynamic Visuals.
Interactive charts and tables update in real time as you change inputs, giving a clear, visual picture of how your savings and investments could grow over the years.
Frequently Asked Questions
What exactly does the “Savings Forecast” tool do?
The tool projects how your savings, investment accounts, salary, and retirement contributions may grow over time. It takes into account your current balances, monthly/yearly contributions, expected growth rates (or interest/APY), and optionally inflation adjustment. This gives you a clear view of where you might be financially in the next few years under different scenarios.
Who should use this tool — and why?
Anyone who wants to understand the long-term implications of their savings habits and retirement strategy. Whether you’re just starting to save, in the middle of your career, or nearing retirement — this gives you a way to experiment and visualize how adjusting savings rate, retirement contributions, salary growth or account balances can make a difference. It helps you move from “kind of saving” to “actively planning”.
Why is forecasting your savings important?
Without a forecast, it’s easy to overestimate or underestimate how much your money will grow. By seeing a realistic projection, you can make informed decisions about how much to save, whether you need to adjust contributions, and how to prioritize spending, investing, or paying down debt. It helps turn guesswork into actionable financial planning.
How does the inflation adjustment work — and why does it matter?
The tool has an option to “Show values in real terms (Inflation Adjusted @ 2%)”. This means your future amounts are expressed in today’s dollars — i.e., adjusted for the eroding purchasing power of money over time. This matters because a million dollars 30 years from now is worth less in terms of what you can buy today. By viewing in real terms, you can make decisions with more realistic expectations.
How should I interpret the results and what’s the next step?
The results indicate projected account totals and savings trajectory over your chosen duration under the assumptions you entered. Use them to ask: Are the totals enough to support your desired retirement lifestyle? Are your savings rate and contributions sufficient? Next steps: if the forecast is lower than your goal, consider increasing savings rate, shifting to higher growth investments, adjusting retirement contributions, or extending your working years. Use your results as a starting point for action, not just a passive readout.
Is my data secure, and can I revisit or change scenarios?
Yes — on this tool, you’re just inputting values in your browser. No personally identifiable data is stored by the tool (unless you choose to download the CSV). You can revisit the tool at any time, change assumptions (salary growth, return rates, contributions) and immediately see how the forecast changes. This flexibility enables you to test “what if” scenarios and refine your plan over time.
Want to turn projections into action?
We’ll help you understand your numbers, prioritize steps, and create a roadmap that makes your money work smarter for you.
This calculator is for educational purposes only. It’s not financial advice. Results are estimates and may vary based on real-world factors. Consult a qualified advisor before making investment or retirement decisions.