Goal Planner

Start from what you actually want — a number and a date — and the planner works backwards to the monthly deposit and the return it takes to get there. Then find the risk level you can realistically hold onto.

Your goal

Target amount ($)Years to reach itStarting balance ($)Current monthly deposit ($)Expected stock return (%)Inflation (%)

Stocks 80% · Bonds 20%

What it takes

Deposit needed / month

$949

Goal in future dollars

$1,000,000

no inflation applied

Return needed at your deposit

>100% / yr

Projected at your deposit

You are short by $1,000,000. Close it by raising the deposit to $949 a month, earning more than 100% a year, or giving the plan more time.

A return above roughly 12% a year is not something a diversified portfolio has reliably delivered. If the required return lands there, treat the deposit or the timeline as the real lever.