Financial Goals Planner
See whether you're on track for a future goal. Enter your savings, target, and timeline, and we'll simulate thousands of paths to estimate your probability of success — plus the contribution and return it would take to get there.
Educational use only — not investment advice
This tool is for educational and informational purposes only and does not provide financial, investment, tax, legal, or accounting advice. Results are hypothetical and based on historical data and assumptions that may be inaccurate. Past performance does not guarantee future results. Consult a licensed professional before making investment decisions.
What is the Financial Goals Planner?
Estimate your probability of reaching a target by a date — plus the contribution and return it would take.
The Financial Goals Planner answers the question 'am I on track?'. Enter your current savings, a target amount and date, and your monthly contribution, and we simulate thousands of paths to estimate your probability of success. Two deterministic solvers complement the simulation: the required monthly contribution to reach the goal at your expected return, and the required return given your planned contribution.
How to use it
- 1Enter your current savings, the amount you're aiming for, and the date you want to reach it by.
- 2Add your monthly contribution and either pick a historical portfolio or set your own return assumptions, plus inflation.
- 3Run it to see your probability of reaching the goal — and the monthly contribution or the return it would take to get there.
What you'll get
- ✓Probability of reaching the goal
- ✓Required monthly contribution
- ✓Required return
- ✓Projection cone vs. goal line
- ✓Best/median/worst scenarios
↓ Or build your own below
How the Financial Goals Planner works
The probability comes from a Monte Carlo simulation with a 'reach target' success condition. The required contribution and required return are solved in closed form / by bisection using the expected return.