Savings Goal Calculator

How long to reach your savings goal — or how much to save per month.

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HYSA rate
Time to reach goal
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How to reach any savings goal faster

Monthly contribution is the biggest lever. Doubling your savings roughly halves the time. A high-yield savings account (HYSA) at 4–5% APY earns 10× more than a traditional bank account at 0.5%.

How long to save $20,000?
At $500/month with 4.5% APY and $2,000 saved, it takes about 33–34 months.
Where should I keep savings?
A high-yield savings account (HYSA) at 4–5% APY — liquid, FDIC-insured, earning 10× a traditional bank.
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