A goal, a deadline and what you already have in; the exact amount to save each month, week and day out. No signup.
Do this automatically
BillingOtter is invoicing software for freelancers and small businesses: invoices, estimates and payment tracking in one place. The Free plan covers 5 invoices a month.
Free plan · no credit card · cancel anytime
Your current savings are projected forward at your interest rate; the calculator then finds the level monthly deposit that closes the remaining gap by your deadline, with each deposit also earning interest.
Match the account: 3–5% for high-yield savings, more if the goal is far enough away to invest. For short-term goals (under 3 years), assume a savings-account rate — the market is too bumpy for near deadlines.
Congratulations — what you already have, plus interest, reaches the goal on its own by your deadline.