Know exactly what to save, every month.
Add your savings goals and a date. The calculator tells you how much to put away each month and week, whether you’re on track, and when you’ll get there. No macros.
✓ One-off payment ✓ Instant download ✓ Excel for Windows & Mac
| Goal | Saved | Target | Progress | Each month | Status |
|---|---|---|---|---|---|
| Emergency fund | $4,300 | $10,000 | 43% | $290.57 | On track |
| Vacation to Italy | $1,600 | $4,500 | 36% | $290.00 | On track |
| Car down payment | $1,900 | $6,000 | 32% | $158.04 | On track |
| Wedding | $3,500 | $15,000 | 23% | $541.66 | Behind by 2 mo |
| New laptop | $1,500 | $1,500 | 100% | $0.00 | Reached! |
Saving without a number rarely works
“I’ll save what’s left”
There’s never anything left. A goal without a monthly number is just a wish.
Guessing the maths
How much a month for $10,000 by next March, with interest? Most people don’t know where to start.
No idea if you’re on track
Months go by and you can’t tell if you’ll make it or fall short.
Add a goal. Get your number.
Add your goals
What it’s for, the target amount, the date you want it by and what you’ve already saved.
Get your number
See how much to save each month and each week, including interest if your savings earn it.
Track and adjust
Log deposits as you go. Type what you can really afford and see if you’re on track.
How much to save, worked out for you
Excel’s PMT function works out exactly how much to put away each month to reach your target by your date. Add your savings account’s interest rate and it’s included.
- Each month and each week
- Includes interest (APY)
- Up to 10 goals at once
| Goal | Target | By | Saved | Interest | Each month | Each week |
|---|---|---|---|---|---|---|
| Emergency fund | $10,000 | Mar 2028 | $4,300 | 4.5% | $290.57 | $67.05 |
| Vacation to Italy | $4,500 | Jul 2027 | $1,600 | $290.00 | $66.92 | |
| Car down payment | $6,000 | Sep 2028 | $1,900 | 4.0% | $158.04 | $36.47 |
| Christmas 2027 | $1,200 | Nov 2027 | $200 | $71.43 | $16.48 |
Can you afford it? See when you’ll get there.
Type what you can actually save each month. NPER works out how many months it will take, the date you’ll reach it, and whether you’re on track or how many months behind.
- Months to go and reach-by date
- On track or behind
- Change the amount and see it update
| Goal | I can save | Months to go | Reach it by | Status |
|---|---|---|---|---|
| Emergency fund | $400 | 14 | Nov 2027 | On track |
| Vacation to Italy | $300 | 10 | Jul 2027 | On track |
| Wedding | $500 | 22 | Jul 2028 | Behind by 2 mo |
| Christmas 2027 | $60 | 17 | Feb 2028 | Behind by 3 mo |
Watch your savings grow
Pick any goal and see its balance month by month: what you paid in, the interest earned, and the month you hit your target, with a chart of your savings climbing to the line.
- Month-by-month balance
- Interest earned each month
- Chart with your target line
| Month | Paid in | Interest | Balance |
|---|---|---|---|
| Oct 2026 | $400.00 | $16.13 | $4,716.13 |
| Nov 2026 | $400.00 | $17.69 | $5,133.81 |
| Dec 2026 | $400.00 | $19.25 | $5,553.06 |
| … | |||
| Oct 2027 | $400.00 | $35.24 | $9,833.03 |
| Nov 2027 | $400.00 | $36.87 | $10,269.90 |
For anyone saving for something
Emergency fund
Build a safety net of 3 to 6 months’ spending, with a clear monthly target.
Big plans
A vacation, a wedding, a car or a down payment on a home.
Several goals at once
See every goal together and what they add up to each month.
Everything you get
- Up to 10 savings goals
- How much to save each month and week
- Interest included for high-yield savings
- “I can save” what-if with months to go and reach-by date
- On track or behind for every goal
- Deposits log with room for 500 deposits
- Month-by-month projection with chart
- Dashboard: saved so far, overall progress and a saved vs target chart
- Start Here guide and example goals
One-off payment. Yours to keep.
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Hi, I’m Lee
I run Sheet Leveller on YouTube, where I make quick, no-nonsense Excel tutorials.
This calculator uses Excel’s PMT and NPER functions, the same maths banks use, explained in my tutorials.
Questions
Do I have to add an interest rate?
No. Leave it blank and it simply divides what’s left by the months you have.
What interest rate should I use?
Your savings account’s yearly rate (APY), like 4.5% for a high-yield account. Rates change, so update it now and then.
Does it link to my bank?
No. You log deposits yourself, which only takes a few seconds.
Can I track debt payoff too?
This one’s for saving. For paying off debt, see the Debt Payoff Planner.
Does it use macros?
No. It’s a normal .xlsx file, so there are no security warnings and nothing to enable.
Which versions of Excel does it work with?
Microsoft 365, Excel 2010 or later on Windows, and Excel for Mac. It’s built for Microsoft Excel.
Is this a subscription?
No. You pay once and the file is yours to keep.
Give every goal a number.
Know what to save each month and when you’ll get there.
Get the calculator $7.99Not ready yet? Try the free Savings Calculator.