Savings Goal Planner: I want $3,000 by December: what do I put aside?

How much a month, how long it'll take, or what you'll end up with: pick whichever one you don't know. The interest is compounded properly, and it tells you what the money will actually be worth by the time you get there.

WHAT YOU GET

- Three questions, one tool: solve for the amount, the date or the total

- A chart that separates your own money from what the interest added

- What it'll be worth in today's money, which most calculators quietly skip

- Optional tax on the interest, and it shows what a tax-free account would do instead

- Quarter, half and three-quarter dates, plus a year-by-year table to print

HOW IT WORKS

1. Say what it's for and how much: Plus whatever you've already got saved.

2. Pick the unknown: How much a month? How long? Or what will I have?

3. Read the answer: With the real-terms figure next to the headline one.

One file. Double-click it and it opens in the browser you already have: Chrome, Edge, Safari or Firefox. Nothing to install, no account, no subscription.

Nothing you type ever leaves your computer. There is no server involved, which is why it still works with the wi-fi switched off.

30-day refund, no questions asked.